Credit Cards » Compare Credit Cards » United Quest vs Infinite Card: How They Compare?
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United Quest vs Infinite Card: How They Compare?

The United Infinite card offers luxury benefits that the Quest card doesn't, but for most consumers, it is not worth the higher annual fee
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The United Quest Card and United Club Infinite Card are both travel rewards cards offered by Chase Sapphire in partnership with United Airlines. Both cards offer valuable perks for frequent United flyers, but they also have distinct advantages and disadvantages.

General Comparison

Naturally, the Infinite card offers a much better rewards ratio but its annual fee is higher.

It also offers unique travel benefits such as lounge access, IHG Platinum elite status, Visa Infinite concierge, and more luxury benefits. 

Here's a comparison of the card's main features:

United Quest℠ Card

united infinite card

United Quest Card
United Club℠ Infinite
Annual Fee
$250
$525
Rewards
3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
4x miles on United Airlines purchases, 2x miles on all other travel purchases, dining and eligible delivery services and 1x miles on all other purchases
Welcome bonus
60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
21.99% – 28.99% variable
21.99% – 28.99% variable
Read Review
Read Review
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Comparing Rewards: A Practical Simulation

Although one might anticipate a more substantial distinction, our analysis revealed minimal variation in the estimated annual value of the cards. Generally, the disparity tends to grow larger as your frequency of United flights increases.

United Quest℠ Card

united infinite card

Spend Per Category
United Quest Card
United Club℠ Infinite
$15,000 – U.S Supermarkets
15,000 miles
15,000 miles
$5,000 – Restaurants
10,000 miles
10,000 miles
$7,000 – Airline
21,000 miles
28,000 miles
$5,000 – Hotels
10,000 miles
10,000 miles
$4,000 – Gas
4,000 miles
4,000 miles
Estimated Annual Value
60,000 miles
67,000 miles
Estimated Redemption Value
1 point = ~1.2 cents
1 point = ~1.2 cents
Estimated Annual Value
$720
$804

United Airlines offers various redemption options for MileagePlus miles, allowing travelers to book flights, upgrade seats, or cover fees.

Additionally, miles can be used for hotel stays, car rentals, and merchandise through the MileagePlus Shopping portal. 

United Book a Flight with United infinite card
(screenshot taken by our team from United app)

Benefits You'll Get On Both Cards

Since both cards are United focused, they share many common benefits:

  • Global Entry/TSA Precheck® Reimbursement: Get a $100 statement credit every four years to cover Global Entry, TSA Precheck®, or NEXUS application fees, expediting your airport security experience.
  • 25% Back on In-Flight Purchases: Enjoy a 25% statement credit on food, beverages, and Wi-Fi purchases during United-operated flights when you pay with your United Card, saving you money on in-flight expenses.
Get 25% back for United Inflight Purchases
Get 25% back for United Inflight Purchases (Photo by Leonard Zhukovsky/Shutterstock)
  • Auto Rental Collision Damage Waiver: Decline rental company collision insurance and charge the rental cost to your card for primary insurance coverage against theft and collision damage for most rental cars in the U.S. and abroad.
  • Baggage Delay Insurance: If your baggage is delayed by a passenger carrier for over 6 hours, get reimbursed for essential purchases like toiletries and clothing, up to $100 a day for 3 days.
  • Lost Luggage Reimbursement: Receive coverage up to $3,000 per passenger or immediate family member for damaged or lost luggage by the carrier.
  • Trip Cancellation/Interruption Insurance: Be reimbursed for pre-paid, non-refundable passenger fares (up to $1,500 per person and $6,000 per trip) in case your trip is canceled or cut short due to covered situations like illness or severe weather.
  • Trip Delay Reimbursement: Get coverage for unreimbursed expenses such as meals and lodging, up to $500 per ticket, if your common carrier travel is delayed over 12 hours or requires an overnight stay.
  • Purchase Protection: Enjoy coverage for new purchases against damage or theft for 120 days, with limits up to $10,000 per claim and $50,000 per year.
  • Extended Warranty Protection: Extend eligible warranties of three years or less by an additional year.
  • DoorDash: Receive one year of complimentary DashPass membership for unlimited deliveries with $0 delivery fees and lower service fees on eligible orders.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Exclusive Benefits Of The Quest Card

While the Quest card is a lower-tier card compared to the Infinite card, it still offers some unique benefits: 

  • Up to 10,000 Miles in Award Flight Credits: Starting from the first anniversary, cardholders get 5,000 miles back in their MileagePlus account after taking up to 2 United or United Express-operated award flights annually.
  • $125 Annual United Purchase Credit: Cardholders receive up to $125 in statement credits for United purchases each account anniversary year.
  • Visa Concierge: Access complimentary 24/7 Visa Signature® Concierge Service to assist with finding event tickets, making dinner reservations, and more.
  • Earn up to 6,000 Premier Qualifying Points (PQP): Get 500 PQP for every $12,000 spent on purchases with your United Club Card (up to 6,000 PQP in a calendar year) to advance your Premier status qualification, up to Premier 1K® level.

Exclusive Benefits Of The United Club Infinite Card

 Here's what you can get exclusively on the Infinite card: 

  • United Club Membership: Access United Club locations and affiliated Star Alliance™ lounges worldwide, offering a comfortable space with complimentary snacks, beverages, and work areas, worth up to $650 annually. 
  • IHG One Rewards Platinum Elite status: IHG One Rewards Platinum Elite status, granted to the primary Cardmember, includes perks like complimentary room upgrades, extended check-out when available, and the ability to earn points for free nights and elite points with no expiration.
  • Earn up to 8,000 Premier Qualifying Points (PQP): Get 500 PQP for every $12,000 spent on purchases with your United Club Card (up to 8,000 PQP in a calendar year) to advance your Premier status qualification, up to Premier 1K® level.
  • Premier Access® Travel Services: Enjoy priority check-in, security screening, boarding, and baggage handling privileges, making your airport experience smoother and more convenient.
  • Visa Infinite® Concierge Services: Visa Infinite® Concierge Services offer round-the-clock personalized assistance for travel arrangements, dinner reservations, and event tickets, providing a comprehensive support service available every day of the year, whether at home or abroad.

  • Return Protection: provides reimbursement for eligible items that a store refuses to accept within 90 days of purchase

  • Avis President's Club: Avis President's Club, available to the primary Cardmember of the United ClubSM Card, offers complimentary two-car class upgrades, guaranteed car availability, expedited rental service, and more.

United Club Infinite Card on landscape background
United Club Infinite Card, one of the best cards for luxury travel. (Photo by Africa Studio/Shutterstock)

When You Might Want the United Quest Card?

You might prefer the United Quest if:

  • Frequent United Flyers on a Budget: If you are a regular United Airlines traveler but want to manage costs, the United Quest Card offers a competitive array of benefits, including priority boarding, free checked bags, and $100 Global Entry or TSA PreCheck, at a more accessible annual fee compared to the United Infinite Card.

  • You're Primarily Interested In Earning Miles For United Flights: Based on our analysis, there is no significant difference in points accumulation between the cards. So if you're mainly looking to earn miles, the Quest card may be a better option.

When You Might Want the United Infinite Card?

You might prefer the United Club Infinite card if:

  • You Spend A Significant Amount On United Purchases. The Infinite Card earns 4x miles on all United purchases compared to 3x miles on the Quest Card. This can lead to faster accumulation of miles if you frequently make United-related purchases.

  • You Want Airport Lounge Access: The United Infinite Card is a better choice for individuals who value access to United Club lounges, providing a more comfortable and exclusive travel experience compared to the United Quest Card.

  • You Want The Additional Perks And Status That Come With A Premium Card: The Infinite Card comes with a host of exclusive benefits, such as premier access travel services, IHG Platinum elite status, PQPs for purchases and return protection, which add to its overall value proposition.

Compare The Alternatives

If you're looking for a premium travel credit card with airline rewards – there are some good alternatives you may want to consider:

Venture X Rewards

Capital One Venture X
Chase Sapphire Reserve®
Citi®/AAdvantage® Platinum Select® World Elite Mastercard®
Annual Fee
$395
$550
$99 (waived for the first 12 months)
Rewards
1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

1X – 2X Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
Welcome bonus
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
50,000 Miles 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Foreign Transaction Fee
$0
$0
$0
Purchase APR
19.99% – 29.99% (Variable)
22.49%–29.49% variable
21.24% – 29.99% (Variable)

Compare United Quest Card

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Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.