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Side-by-side

Bilt Blue vs United Quest Card

Both are travel travel cards. The Bilt Blue comes from Bilt / Cardless 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 ($850 more in estimated value) than the Bilt Blue's. Get the United Quest Card first; revisit the Bilt Blue after you've earned that bonus.

FeatureBilt BlueUnited Quest Card
Annual fee$0$350
Sign-up bonus$100 Bilt Cash70,000 miles + 500 PQP
Bonus value (est.)$100$950
Min spend to unlock bonus$0 in 0 mo$4,000 in 3 mo
IssuerColumn N.A.Chase
Card categorytraveltravel
Best earning category (Lyft)3x1x
Transfer partnersbiltmileageplus
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
  • 4x on United purchases
  • $200 United credit
  • 2 free bags
  • Award rebates
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Read the full review
United Quest Card
$350/yr · 70,000 miles + 500 PQP

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026. 1X base earn on everything else, with 3X on Lyft, up to 4X at Bilt dining partners, and 3X hotels / 2X flights through the Bilt Travel portal. Best for renters who want the no-fee anchor plus full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day doubles everyday earn on the 1st up to 1,000 bonus points.

Editorial take: United Quest Card

If you fly United 3+ times a year, the $200 United TravelBank credit, two free checked bags for you and a companion, and the 10,000-mile anniversary award discount make this card pay for most of its fee.

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or United Quest Card?
The United Quest Card has the bigger bonus, 70,000 miles + 500 PQP, worth roughly $950, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Bilt Blue's $0 annual fee worth it compared to the United Quest Card?
The Bilt Blue 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 Bilt Blue.
Can I have both the Bilt Blue and United Quest Card?
Yes, since they're from different issuers (Column N.A. 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 Bilt Blue or the United Quest Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $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.