United Quest vs United Club Infinite: How to decide which premium Chase United credit card is best for you

United Quest vs United Club Infinite: How to decide which premium Chase United credit card is best for you

May 26, 2021

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  • The New United Quest℠ Card and United Club℠ Infinite Card are the most premium United credit cards.
  • Their annual fees can be worth it if you maximize benefits like free checked bags on United flights.
  • The right card for you depends on how often you fly United and if you want airport lounge access.
  • Read Insider’s guide to the best travel rewards credit cards.

If you fly more than a couple of times a year, opening an airline credit card can make a lot of sense, even if it charges an annual fee. These cards typically offer benefits that can save you money and hassle — and offset the annual fee cost — including free checked bags, priority boarding, and even travel insurance.

It’s an easy decision if the airline card you’re considering has a lower (sub-$100) annual fee, but what about premium credit cards that cost several times that? Those come with more bells and whistles and often include upscale perks like airport lounge access, but calculating the value you’ll get relative to the yearly fee can get a little murky.

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United flyers have five Chase co-branded cards to choose from, and the most expensive of them — the New United Quest℠ Card and United Club℠ Infinite Card — offer big welcome bonuses and hefty travel benefits. They also have annual fees to match — $250 per year on the New United Quest℠ Card, and a whopping $525 on the United Club℠ Infinite Card. 

United Quest and United Club Infinite sign-up bonuses

  • New United Quest℠ Card: Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open, plus an additional 20,000 bonus miles after you spend $10,000 in the first 6 months
  • United Club℠ Infinite Card: Earn 75,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening

These cards aren’t for the casual United flyer (if that’s you, check out the United℠ Explorer Card instead), and each has its pros and cons. The right card for you depends highly on your spending habits, travel preferences, and even your home airport — and whether or not you can squeeze enough value from the card’s perks to justify the annual fee.

Here’s a breakdown of what each card offers and a side-by-side comparison to help you decide if the New United Quest℠ Card or United Club℠ Infinite Card is a better fit.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

New United Quest℠ Card

Chase New United Quest℠ CardChase United Club℠ Infinite CardChase Chase Sapphire Preferred® CardChase Marriott Bonvoy Boundless™ Credit CardChase Chase Freedom Unlimited®

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Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.

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