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.
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Side-by-side
United Quest Card vs Citi Simplicity Card
Both are well-respected travel cards. The United Quest Card comes from Chase at $350/yr; the Citi Simplicity Card from Citi at $0/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 Citi Simplicity Card's. Get the United Quest Card first; revisit the Citi Simplicity Card after you've earned that bonus.
| Feature | United Quest Card | Citi Simplicity Card |
|---|---|---|
| Annual fee | $350 | $0 |
| Sign-up bonus | 70,000 miles + 500 PQP | No welcome bonus; product is a 0% intro APR balance-transfer card with no late fees, no penalty APR, and no rewards program |
| Bonus value (est.) | $950 | - |
| Min spend to unlock bonus | $4,000 in 3 mo | - |
| Issuer | Chase | Citi |
| Card category | travel | |
| Best earning category (Dining) | 2x | 1x |
| Transfer partners | mileageplus | None |
| Headline benefits |
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Read the full review
United Quest Card
$350/yr · 70,000 miles + 500 PQP
Read the full review
Citi Simplicity Card
$0/yr · No welcome bonus; product is a 0% intro APR balance-transfer card with no late fees, no penalty APR, and no rewards program
Editorial take: Citi Simplicity Card
Common questions
- Which card has the bigger sign-up bonus, United Quest Card or Citi Simplicity Card?
- The United Quest Card has a public bonus (70,000 miles + 500 PQP, worth roughly $950), while the Citi Simplicity Card doesn't advertise one right now.
- Is the United Quest Card's $350 annual fee worth it compared to the Citi Simplicity Card?
- At $350/yr, the United Quest Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Simplicity Card's, pick the one whose perks you'll actually use.
- Can I have both the United Quest Card and Citi Simplicity Card?
- Yes, since they're from different issuers (Chase and Citi) 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 United Quest Card or the Citi Simplicity Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Quest Card: $4,000 spend in 3 months. Citi Simplicity Card: no published min spend. 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.