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BECU Secured Low Rate Credit Card vs United Quest Card
Both are well-respected travel cards. The BECU Secured Low Rate 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 ($950 more in estimated value) than the BECU Secured Low Rate Credit Card's. Get the United Quest Card first; revisit the BECU Secured Low Rate Credit Card after you've earned that bonus.
| Feature | BECU Secured Low Rate Credit Card | United Quest Card |
|---|---|---|
| Annual fee | $0 | $350 |
| Sign-up bonus | No welcome bonus | 70,000 miles + 500 PQP |
| Bonus value (est.) | $0 | $950 |
| Min spend to unlock bonus | $0 in 0 mo | $4,000 in 3 mo |
| Issuer | BECU | Chase |
| Card category | low-interest | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | mileageplus |
| Headline benefits |
|
Read the full review
BECU Secured Low Rate Credit Card
$0/yr · No welcome bonus
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 Secured Low Rate Credit Card or United Quest Card?
- The United Quest Card has the bigger bonus, 70,000 miles + 500 PQP, worth roughly $950, versus No welcome bonus (~$0) on the BECU Secured Low Rate Credit Card.
- Is the BECU Secured Low Rate Credit Card's $0 annual fee worth it compared to the United Quest Card?
- The BECU Secured Low Rate 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 Secured Low Rate Credit Card.
- Can I have both the BECU Secured Low Rate 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 Secured Low Rate Credit Card or the United Quest Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Secured Low Rate Credit Card: $0 spend in 0 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.