Is the United Quest Card worth the higher annual fee?

The United Quest Card costs $300/yr vs $95/yr for the Chase Sapphire Preferred Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Preferred Card or United Quest Card?

The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Sapphire Preferred Card have that the United Quest Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The United Quest Card offers travel credits.

Should I get the Chase Sapphire Preferred Card or the United Quest Card?

Choose the Chase Sapphire Preferred Card if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Is the United Quest Card worth the higher annual fee?

The United Quest Card costs $300/yr vs $95/yr for the Chase Sapphire Preferred Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Preferred Card or United Quest Card?

The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Sapphire Preferred Card have that the United Quest Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The United Quest Card offers travel credits.

Should I get the Chase Sapphire Preferred Card or the United Quest Card?

Choose the Chase Sapphire Preferred Card if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Is the United Quest Card worth the higher annual fee?

The United Quest Card costs $300/yr vs $95/yr for the Chase Sapphire Preferred Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Preferred Card or United Quest Card?

The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Sapphire Preferred Card have that the United Quest Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The United Quest Card offers travel credits.

Should I get the Chase Sapphire Preferred Card or the United Quest Card?

Choose the Chase Sapphire Preferred Card if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Chase Sapphire Preferred Card vs United Quest Card

The Chase Sapphire Preferred Card ($95/yr) is better for everyday value, while the United Quest Card ($300/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Chase Sapphire Preferred Card

Chase

United Quest Card

Chase

Fees & Welcome Offer

Annual Fee

$95

$300

Welcome Bonus

75,000 Flex point

80,000 Airline

Earn Rates

Category	Chase Sapphire Preferred Card	United Quest Card
Dining	3X	2X

Category-by-Category Winner

The Chase Sapphire Preferred Card wins in 4 of 6 categories. The United Quest Card leads in 2.

Dining

Chase Sapphire Preferred Card earns 3X vs 2X

Streaming

Chase Sapphire Preferred Card earns 3X vs 2X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

United Purchases

United Quest Card earns 3X vs 1X

United Airlines

United Quest Card earns 3X vs 1X

Is the Fee Difference Worth It?

The United Quest Card costs $300/yr — that's $205 more than the Chase Sapphire Preferred Card ($95/yr). To justify that gap, you need to extract at least $205 in annual value from the card's higher earn rates and benefits.

The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $205 difference is moderate. If you spend consistently on united purchases and united airlines, the United Quest Card's higher earn rates and benefits can easily cover the gap.

What You Give Up

The Bottom Line

The Chase Sapphire Preferred Card has a lower annual fee ($95 vs $300), making it the more accessible option.

The United Quest Card justifies its higher fee with premium perks like travel credits.

Choose the Chase Sapphire Preferred Card if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the United Quest Card worth the higher annual fee?: The United Quest Card costs $300/yr vs $95/yr for the Chase Sapphire Preferred Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Preferred Card or United Quest Card?: The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Chase Sapphire Preferred Card have that the United Quest Card doesn't?: The Chase Sapphire Preferred Card offers travel credits. The United Quest Card offers travel credits.
Should I get the Chase Sapphire Preferred Card or the United Quest Card?: Choose the Chase Sapphire Preferred Card if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

Explore More

Chase Sapphire Preferred Card — Full Review All Chase Cards

United Quest Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Chase Sapphire Preferred Card vs United Quest Card

Chase Sapphire Preferred Card

Chase

United Quest Card

Chase

Fees & Welcome Offer

Annual Fee

$95

$300

Welcome Bonus

75,000 Flex point

80,000 Airline

Earn Rates

Category	Chase Sapphire Preferred Card	United Quest Card
Dining	3X	2X

Category-by-Category Winner

The Chase Sapphire Preferred Card wins in 4 of 6 categories. The United Quest Card leads in 2.

Dining

Chase Sapphire Preferred Card earns 3X vs 2X

Streaming

Chase Sapphire Preferred Card earns 3X vs 2X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

United Purchases

United Quest Card earns 3X vs 1X

United Airlines

United Quest Card earns 3X vs 1X

Is the Fee Difference Worth It?

The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $205 difference is moderate. If you spend consistently on united purchases and united airlines, the United Quest Card's higher earn rates and benefits can easily cover the gap.

What You Give Up

The Bottom Line

The Chase Sapphire Preferred Card has a lower annual fee ($95 vs $300), making it the more accessible option.

The United Quest Card justifies its higher fee with premium perks like travel credits.

Choose the Chase Sapphire Preferred Card if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the United Quest Card worth the higher annual fee?: The United Quest Card costs $300/yr vs $95/yr for the Chase Sapphire Preferred Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Preferred Card or United Quest Card?: The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Chase Sapphire Preferred Card have that the United Quest Card doesn't?: The Chase Sapphire Preferred Card offers travel credits. The United Quest Card offers travel credits.
Should I get the Chase Sapphire Preferred Card or the United Quest Card?: Choose the Chase Sapphire Preferred Card if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

Explore More

Chase Sapphire Preferred Card — Full Review All Chase Cards

United Quest Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Chase Sapphire Preferred Card vs United Quest Card

Chase Sapphire Preferred Card

Chase

United Quest Card

Chase

Fees & Welcome Offer

Annual Fee

$95

$300

Welcome Bonus

75,000 Flex point

80,000 Airline

Earn Rates

Category	Chase Sapphire Preferred Card	United Quest Card
Dining	3X	2X

Category-by-Category Winner

The Chase Sapphire Preferred Card wins in 4 of 6 categories. The United Quest Card leads in 2.

Dining

Chase Sapphire Preferred Card earns 3X vs 2X

Streaming

Chase Sapphire Preferred Card earns 3X vs 2X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

United Purchases

United Quest Card earns 3X vs 1X

United Airlines

United Quest Card earns 3X vs 1X

Is the Fee Difference Worth It?

The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $205 difference is moderate. If you spend consistently on united purchases and united airlines, the United Quest Card's higher earn rates and benefits can easily cover the gap.

What You Give Up

The Bottom Line

The Chase Sapphire Preferred Card has a lower annual fee ($95 vs $300), making it the more accessible option.

The United Quest Card justifies its higher fee with premium perks like travel credits.

Choose the Chase Sapphire Preferred Card if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the United Quest Card worth the higher annual fee?: The United Quest Card costs $300/yr vs $95/yr for the Chase Sapphire Preferred Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Preferred Card or United Quest Card?: The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Chase Sapphire Preferred Card have that the United Quest Card doesn't?: The Chase Sapphire Preferred Card offers travel credits. The United Quest Card offers travel credits.
Should I get the Chase Sapphire Preferred Card or the United Quest Card?: Choose the Chase Sapphire Preferred Card if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

Explore More

Chase Sapphire Preferred Card — Full Review All Chase Cards

United Quest Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Pros & Cons

Pros

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

+Two free checked bags for cardholder plus companion (up to $360 per roundtrip)
+$200 annual TravelBank credit effectively reduces fee to $150
+$180/year in Instacart credits ($15/month through 2027)
+10,000-mile award discount annually plus another 10K after $20K spend
+Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs

Cons

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

−$350 annual fee is substantial without lounge access
−TravelBank credits only work on United/United Express flights
−PQP earning cap of 18,000 limits status acceleration potential
−2x on non-United travel is lower than some competitors
−Instacart credits expire December 2027

Pros & Cons

Pros

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

+Two free checked bags for cardholder plus companion (up to $360 per roundtrip)
+$200 annual TravelBank credit effectively reduces fee to $150
+$180/year in Instacart credits ($15/month through 2027)
+10,000-mile award discount annually plus another 10K after $20K spend
+Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs

Cons

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

−$350 annual fee is substantial without lounge access
−TravelBank credits only work on United/United Express flights
−PQP earning cap of 18,000 limits status acceleration potential
−2x on non-United travel is lower than some competitors
−Instacart credits expire December 2027

Pros & Cons

Pros

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

+Two free checked bags for cardholder plus companion (up to $360 per roundtrip)
+$200 annual TravelBank credit effectively reduces fee to $150
+$180/year in Instacart credits ($15/month through 2027)
+10,000-mile award discount annually plus another 10K after $20K spend
+Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs

Cons

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

−$350 annual fee is substantial without lounge access
−TravelBank credits only work on United/United Express flights
−PQP earning cap of 18,000 limits status acceleration potential
−2x on non-United travel is lower than some competitors
−Instacart credits expire December 2027

Chase Sapphire Preferred Card vs United Quest Card

Chase Sapphire Preferred Card

United Quest Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Chase Sapphire Preferred Card vs United Quest Card

Chase Sapphire Preferred Card

United Quest Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Chase Sapphire Preferred Card vs United Quest Card

Chase Sapphire Preferred Card

United Quest Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?