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American Express® Gold Card vs United Quest℠ Card
This comparison aims to provide an in-depth analysis of the American Express® Gold Card and the United Quest℠ Card, helping users make informed decisions based on their spending habits and lifestyle preferences.
Card Overviews
American Express® Gold Card
The American Express® Gold Card is designed for individuals who frequently dine out and shop at supermarkets. With its robust rewards structure focusing on restaurants and groceries, it rewards users with Membership Rewards® points that can be used for travel and other purchases.
United Quest℠ Card
The United Quest℠ Card is ideal for frequent travelers, particularly those who fly with United Airlines. This card offers generous rewards on United purchases and additional travel-related benefits, making it a strong choice for those who prioritize airline loyalty and travel perks.
Detailed Feature Comparison
| Feature | American Express® Gold Card | United Quest℠ Card |
|---|---|---|
| Annual Fee | $325 | $250 |
| Welcome Bonus | 60,000 Membership Rewards® Points after spending $6,000 in the first 6 months | 60,000 bonus miles and 500 PQP after spending $4,000 in the first 3 months |
| Rewards Structure | 4X points at restaurants and supermarkets, 3X on flights booked directly, 2X on prepaid hotels, 1X on other purchases | 3X miles on United® purchases, 2X on travel, dining, and select streaming, 1X on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | N/A | N/A |
| Additional Benefits | Uber Cash, dining credits, hotel collection benefits | Free checked bags, priority boarding, purchase credits |
Rewards Highlights
United Quest℠ Card Rewards
- Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
- 3x miles on United® purchases.
- 2x miles on dining, select streaming services & all other travel.
- 1x mile on all other purchases.
American Express® Gold Card Rewards
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pros and Cons
American Express® Gold Card Pros
- High rewards rate on dining and groceries.
- Great benefits for food lovers with various dining credits.
- No foreign transaction fees.
American Express® Gold Card Cons
- Higher annual fee compared to competitors.
- Rewards can take time to accumulate for non-dining purchases.
United Quest℠ Card Pros
- Excellent travel rewards for United Airlines customers.
- Free checked bags and priority boarding add value.
- Lower annual fee than the Gold Card.
United Quest℠ Card Cons
- Limited to United purchases for maximum rewards.
- Fewer dining and grocery rewards compared to the Gold Card.
Who Should Consider Which Card?
The American Express® Gold Card is best suited for users who frequently dine out and shop at supermarkets, as they can maximize their rewards in these categories. On the other hand, the United Quest℠ Card is ideal for individuals who travel often, especially with United Airlines, and want to take advantage of travel-related perks and benefits.
Conclusion
When choosing between the American Express® Gold Card and the United Quest℠ Card, it’s essential to evaluate your personal spending habits and financial goals. Consider how often you dine out, travel, and shop at supermarkets to determine which card aligns best with your lifestyle.