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BECU Cash Back Credit Card vs United Quest Card
Both are well-respected travel cards. The BECU Cash Back Credit Card comes from BECU at $0/yr; the United Quest Card from Chase at $350/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Quest Card is the stronger pick today, the sign-up bonus is meaningfully larger ($750 more in estimated value) than the BECU Cash Back Credit Card's. Get the United Quest Card first; revisit the BECU Cash Back Credit Card after you've earned that bonus.
| Feature | BECU Cash Back Credit Card | United Quest Card |
|---|---|---|
| Annual fee | $0 | $350 |
| Sign-up bonus | $200 cash back after $2,000 spend in 3 months | 70,000 miles + 500 PQP |
| Bonus value (est.) | $200 | $950 |
| Min spend to unlock bonus | $2,000 in 3 mo | $4,000 in 3 mo |
| Issuer | BECU | Chase |
| Card category | cashback | travel |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | mileageplus |
| Headline benefits |
|
Read the full review
BECU Cash Back Credit Card
$0/yr · $200 cash back after $2,000 spend in 3 months
Read the full review
United Quest Card
$350/yr · 70,000 miles + 500 PQP
Editorial take: United Quest Card
If you fly United 3+ times a year, the $125 travel credit, two free bags, and 10k miles of rebates on award flights ($100+ in direct value) make this card pay for itself.
Common questions
- Which card has the bigger sign-up bonus, BECU Cash Back Credit Card or United Quest Card?
- The United Quest Card has the bigger bonus, 70,000 miles + 500 PQP, worth roughly $950, versus $200 cash back after $2,000 spend in 3 months (~$200) on the BECU Cash Back Credit Card.
- Is the BECU Cash Back Credit Card's $0 annual fee worth it compared to the United Quest Card?
- The BECU Cash Back Credit Card has no annual fee, so the question is whether the United Quest Card's $350 fee is justified by its perks. If you'll use enough of the United Quest Card's benefits to clear $350 in value annually, it's worth it; otherwise stick with the BECU Cash Back Credit Card.
- Can I have both the BECU Cash Back Credit Card and United Quest Card?
- Yes, since they're from different issuers (BECU and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Cash Back Credit Card or the United Quest Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Cash Back Credit Card: $2,000 spend in 3 months. United Quest Card: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.