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Chase Sapphire Reserve® vs United Quest℠ Card
This comparison aims to assist users in deciding between the Chase Sapphire Reserve® and the United Quest℠ Card. Each card offers unique benefits tailored to different spending habits and travel preferences.
Card Overviews
Chase Sapphire Reserve®
The Chase Sapphire Reserve® is designed for frequent travelers who seek premium rewards and travel protections. With a higher annual fee, it offers extensive benefits for those who travel regularly, including high rewards for travel-related purchases.
United Quest℠ Card
The United Quest℠ Card is ideal for United Airlines travelers who want to earn miles and enjoy perks like free checked bags and priority boarding. This card has a lower annual fee and focuses on maximizing rewards for United purchases and travel-related expenses.
Detailed Feature Comparison
| Feature | Chase Sapphire Reserve® | United Quest℠ Card |
|---|---|---|
| Annual Fee | $550 | $250 |
| Welcome Bonus | Earn 60,000 bonus points after you spend $5,000 in the first 3 months. | Earn 60,000 bonus miles and 500 PQP after you spend $4,000 in the first 3 months. |
| Rewards Structure | 5x total points on flights, 10x total points on hotels and car rentals via Chase Travel, 3x on other travel and dining, 1x on all other purchases. | 3x miles on United purchases, 2x miles on dining, select streaming services and all other travel, 1x on all other purchases. |
| Foreign Transaction Fee | None | None |
| Other Fees | $300 Annual Travel Credit | Up to $125 United purchase credit. |
| Additional Benefits | Access to airport lounges, trip insurance, 50% more value on travel redemption. | Free checked bags, priority boarding, up to 9,000 PQP per year. |
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.
Chase Sapphire Reserve® Rewards
- Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
- Earn 5x total points on flights through Chase Travel℠.
- Earn 3x points on other travel and dining.
- Earn 1 point per $1 spent on all other purchases.
Pros and Cons
Chase Sapphire Reserve® Pros and Cons
- Pros:
- High rewards rate for travel and dining.
- Generous travel protections and insurances.
- Access to premium airport lounges.
- Valuable point redemption options.
- Cons:
- High annual fee of $550.
- Requires significant spending to maximize rewards.
United Quest℠ Card Pros and Cons
- Pros:
- Lower annual fee of $250.
- Great benefits for United travelers, including free checked bags.
- Earn miles towards United loyalty status.
- Cons:
- Limited to United Airlines for maximizing rewards.
- Lower overall rewards structure compared to Sapphire Reserve.
Who Should Consider Which Card?
- Chase Sapphire Reserve®: Ideal for travelers who prioritize flexible travel rewards, high earning potential on travel and dining, and extensive travel protections. Best for those who frequently travel and can take advantage of premium features.
- United Quest℠ Card: Best suited for loyal United Airlines customers who want to earn miles and enjoy benefits like free checked bags. Ideal for those who primarily fly with United and want to keep their costs lower with a lower annual fee.
Conclusion
Ultimately, choosing between the Chase Sapphire Reserve® and the United Quest℠ Card depends on your individual travel habits and financial goals. Consider your spending patterns, preferred airlines, and how often you travel to make the best choice for your needs.