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The United Club℠ Card (see charges and costs) is United Airlines’ premium private bank card for its most loyal flyers, whereas the United Quest℠ Card (see charges and costs) is certainly one of two mid-tier choices.
Since each playing cards underwent vital adjustments in March, now is a superb time to consider which choice is Most worthy for United loyalists.
If you’re a United frequent flyer and questioning whether or not to apply for one or the opposite, this information ought to assist you decide which is finest for you.
United Quest Card vs. United Club Card comparability
| Card | United Quest Card | United Club Card |
| Annual price | $350 | $695 |
| Welcome bonus | Earn 90,000 bonus miles and 500 Premier qualifying factors after spending $4,000 on purchases within the first three months from account opening. | Earn 95,000 bonus miles after spending $5,000 on purchases within the first three months from account opening. |
| Earning charges | 8 miles per greenback spent on United flights
5 miles per greenback spent on lodge stays booked with Renowned Hotels and Resorts 3 miles per greenback spent on different United purchases 2 miles per greenback spent on choose streaming companies, eating and all different journey 1 mile per greenback spent on every part else |
9 miles per greenback spent on United flights
5 miles per greenback spent on lodge stays booked with Renowned Hotels and Resorts 4 miles per greenback spent on different United purchases 2 miles per greenback spent on eating and all different journey 1 mile per greenback spent on every part else |
| United advantages |
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| Other advantages |
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United Quest Card vs. United Club Card welcome bonus
The United Quest Card is providing a welcome bonus of 90,000 bonus miles and 500 Premier qualifying factors after you spend $4,000 on purchases within the first three months from account opening. Based on TPG’s April 2025 valuations, the bonus miles are price $1,215.
The United Club Card presently provides a welcome bonus of 95,000 bonus miles after you spend $5,000 on purchases within the first three months from account opening. Based on TPG’s April 2025 valuations, these bonus miles are price $1,283.
The United Club Card requires $1,000 in further spending to earn 5,000 extra miles — an affordable hole for a lot of cardholders.
Winner: United Club Card. The barely greater welcome supply provides this card an edge over the Quest.
United Quest Card vs. United Club Card advantages
Both playing cards supply advantages particularly for flying United, so let’s have a look at overlapping advantages first.
Shared advantages
- Free first and second checked baggage
- Priority boarding
- 25% off inflight United purchases and United Club premium drinks
- An up-to-$120 assertion credit score for Global Entry, TSA PreCheck or Nexus
- Expanded award availability
- Travel protections
- No overseas transaction charges
If you’re chasing standing, the Club Card is the higher selection. You’ll earn 1 Premier qualifying level per $15 spent in your card (up to 28,000 PQPs every year); the Quest provides a decrease price of 1 PQP per $20 (with a decrease cap of 18,000 PQPs every year).
Then, from February 2026, you’ll get a lift of 1,500 PQPs every year with the Club — in contrast to only one,000 PQPs with the Quest.
Unique advantages on the Quest Card
As a mid-tier United bank card, the United Quest Card provides first rate advantages for frequent United flyers and a variety of assertion credit.
The card’s $350 annual price is kind of excessive. However, the $200 in United TravelFinancial institution money you’ll obtain every anniversary yr is a simple manner to successfully cut back it by greater than half. And it’s additional offset by assertion credit with retailers like Avis, JSX and ride-hailing companies.
You’ll obtain a ten,000-mile low cost on an award flight every year after your first cardmember anniversary — and may earn a second after spending $20,000 in a calendar yr.
An enormous draw back of this card is that it doesn’t present lounge entry.
Unique advantages on the Club Card
Conversely, the Club Card is for United loyalists who want lounge entry and enhanced journey perks.
One of the best advantages for its $695 annual price is a complimentary United Club membership. It prices $750 to buy the membership by itself, so the truth that the United Club Card provides it for much less makes the cardboard worthwhile. You also can unlock United Club All Access membership by spending $50,000 in your card in a calendar yr or holding MileagePlus Premier Gold standing.
This card provides most of the similar assertion credit because the Quest however at greater quantities. They assist to offset its very excessive annual price, which is nearly double that of the Quest.
Winner: United Club Card. Lounge entry and elevated assertion credit are exhausting to beat.
Earning miles with the United Quest Card vs. the United Club Card
The playing cards have a reasonably related incomes construction aside from two variations:
- The Club Card earns 1 further mile per greenback spent on United flights and different United purchases.
- The Quest Card earns 1 further mile per greenback spent on choose streaming companies.
Winner: United Club Card. The barely greater incomes price on United purchases provides this card the benefit.
Redeeming miles with the United Quest Card Vs. the United Club Card
Both playing cards permit you to earn United miles by bank card spending, that are mechanically deposited into your MileagePlus account. You can redeem factors for United flights, United Express flights, and flights on Star Alliance carriers and associate airways.
Another choice is utilizing your United miles to pay your bank card’s annual price — although this usually provides poor worth in contrast to flight redemptions.
When redeeming United miles, you’ll get the most effective worth when reserving saver-level tickets as a result of they’re priced the bottom.
TPG bank card author Chris Nelson enjoys redeeming his United miles for inter-Europe flights. He just lately redeemed miles for a flight from Barcelona to Munich for under 8,000 miles.
Winner: Tie. These playing cards each earn United miles, which could be redeemed by the MileagePlus program.
Should I get the United Quest Card or the United Club Card?
If you’re a semifrequent United flyer, the United Quest Card is the cardboard for you. You’ll get precedence boarding, free checked baggage and a few helpful assertion credit. However, the United Club Card unlocks enhanced advantages, bigger assertion credit and complimentary lounge entry.
How to change from the United Quest Card to the United Club Card
To change from the Quest Card to the Club Card, name the cellphone quantity on the again of your bank card and request the product change. Just word you received’t be eligible to earn the Club Card’s welcome bonus.
Bottom line
Both playing cards are premium choices for frequent United flyers.
If you’re a die-hard United loyalist who needs lounge entry and is OK with such a excessive annual price, the United Club Card will match properly in your pockets. Otherwise, the inexpensive United Quest Card nonetheless provides invaluable United perks and a beneficiant set of assertion credit.
In most conditions, I’d suggest the United Club Card over the United Quest Card due to its greater welcome bonus, complimentary lounge entry, barely greater earnings and the flexibility to attain elite standing extra shortly.
For extra particulars, see our full opinions of the United Quest Card and United Club Card.
Apply right here: United Quest Card
Apply right here: United Club Card
