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 Strata Premier Card
Both are travel travel cards. The United Quest Card comes from Chase at $350/yr; the Citi Strata Premier Card from Citi at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
If you're not sure you'll use premium perks, start with the Citi Strata Premier Card, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | United Quest Card | Citi Strata Premier Card |
|---|---|---|
| Annual fee | $350 | $95 |
| Sign-up bonus | 70,000 miles + 500 PQP | 60,000 bonus points |
| Bonus value (est.) | $950 | $1,020 |
| Min spend to unlock bonus | $4,000 in 3 mo | $4,000 in 3 mo |
| Issuer | Chase | Citi |
| Card category | travel | travel |
| Best earning category (Dining) | 2x | 3x |
| Transfer partners | mileageplus | citi-ty |
| 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 Strata Premier Card
$95/yr · 60,000 bonus points
Editorial take: Citi Strata Premier Card
A strong mid-tier card with the late-2024 refresh adding 10x on CitiTravel.com and EV charging to the 3x grid. The $100 hotel benefit and 16 transfer partners (Avianca, Flying Blue, Turkish, Virgin Atlantic, Wyndham) make it competitive with Sapphire Preferred at the same $95 fee.
Common questions
- Which card has the bigger sign-up bonus, United Quest Card or Citi Strata Premier Card?
- The Citi Strata Premier Card has the bigger bonus, 60,000 bonus points, worth roughly $1,020, versus 70,000 miles + 500 PQP (~$950) on the United Quest Card.
- Is the United Quest Card's $350 annual fee worth it compared to the Citi Strata Premier 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 Strata Premier Card's, pick the one whose perks you'll actually use.
- Can I have both the United Quest Card and Citi Strata Premier 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 Strata Premier 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 Strata Premier 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.