Editorial take: United Gateway Card
The no-fee United card. Doesn't include free bags (that starts with the Explorer), so it's really only worth it for credit-building purposes.
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Side-by-side
United Gateway Card vs United Quest Card
Both are travel travel cards. The United Gateway Card comes from Chase 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
Both cards come from Chase and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The United Quest Card costs $350 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | United Gateway Card | United Quest Card |
|---|---|---|
| Annual fee | $0 | $350 |
| Sign-up bonus | 30,000 miles | 70,000 miles + 500 PQP |
| Bonus value (est.) | $390 | $950 |
| Min spend to unlock bonus | $1,000 in 3 mo | $4,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | travel |
| Best earning category (United) | 2x | 1x |
| Transfer partners | None | mileageplus |
| Headline benefits |
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Read the full review
United Gateway Card
$0/yr · 30,000 miles
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, United Gateway Card or United Quest Card?
- The United Quest Card has the bigger bonus, 70,000 miles + 500 PQP, worth roughly $950, versus 30,000 miles (~$390) on the United Gateway Card.
- Is the United Gateway Card's $0 annual fee worth it compared to the United Quest Card?
- The United Gateway 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 United Gateway Card.
- Can I have both the United Gateway Card and United Quest Card?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 United Gateway Card or the United Quest Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Gateway Card: $1,000 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.