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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
IssuerBilt / CardlessChase
Card categorytraveltravel
Best earning category (Rent)1x1x
Transfer partnersbiltmileageplus
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
  • 3x on United
  • $125 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 by Cardless. Flat 1x earn (no bonus categories — those live on Obsidian and Palladium). Best for renters who want the no-fee anchor + full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day still doubles everyday earn on the 1st.

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, 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 (Bilt / Cardless 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.