Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
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.
Annual Fee
Welcome Bonus
| Category | Chase Sapphire Preferred Card | United Quest Card |
|---|---|---|
| Dining | 3X | 2X |
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
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.
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.
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.
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.
Annual Fee
Welcome Bonus
| Category | Chase Sapphire Preferred Card | United Quest Card |
|---|---|---|
| Dining | 3X | 2X |
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
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.
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.
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.
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.
Annual Fee
Welcome Bonus
| Category | Chase Sapphire Preferred Card | United Quest Card |
|---|---|---|
| Dining | 3X | 2X |
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
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.
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.
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.
| Grocery Delivery | 3X | 1X |
| Online Groceries | 3X | 1X |
| Streaming | 3X | 2X |
| United Airlines | 1X | 3X |
| United Purchases | 1X | 3X |
| Travel | 2X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Choosing one card means missing out on these benefits from the other.
Choosing United Quest Card means losing:
Choosing Chase Sapphire Preferred Card means losing:
Get the Chase Sapphire Preferred Card if you:
Get the United Quest Card if you:
| Grocery Delivery | 3X | 1X |
| Online Groceries | 3X | 1X |
| Streaming | 3X | 2X |
| United Airlines | 1X | 3X |
| United Purchases | 1X | 3X |
| Travel | 2X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Choosing one card means missing out on these benefits from the other.
Choosing United Quest Card means losing:
Choosing Chase Sapphire Preferred Card means losing:
Get the Chase Sapphire Preferred Card if you:
Get the United Quest Card if you:
| Grocery Delivery | 3X | 1X |
| Online Groceries | 3X | 1X |
| Streaming | 3X | 2X |
| United Airlines | 1X | 3X |
| United Purchases | 1X | 3X |
| Travel | 2X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Choosing one card means missing out on these benefits from the other.
Choosing United Quest Card means losing:
Choosing Chase Sapphire Preferred Card means losing:
Get the Chase Sapphire Preferred Card if you:
Get the United Quest Card if you: