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 PayPal Cashback Mastercard
Both are well-respected travel cards. The United Quest Card comes from Chase at $350/yr; the PayPal Cashback Mastercard from Synchrony 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 ($750 more in estimated value) than the PayPal Cashback Mastercard's. Get the United Quest Card first; revisit the PayPal Cashback Mastercard after you've earned that bonus.
| Feature | United Quest Card | PayPal Cashback Mastercard |
|---|---|---|
| Annual fee | $350 | $0 |
| Sign-up bonus | 70,000 miles + 500 PQP | $200 cash back |
| Bonus value (est.) | $950 | $200 |
| Min spend to unlock bonus | $4,000 in 3 mo | $500 in 3 mo |
| Issuer | Chase | Synchrony |
| Card category | travel | cashback |
| 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
PayPal Cashback Mastercard
$0/yr · $200 cash back
Editorial take: PayPal Cashback Mastercard
Common questions
- Which card has the bigger sign-up bonus, United Quest Card or PayPal Cashback Mastercard?
- The United Quest Card has the bigger bonus, 70,000 miles + 500 PQP, worth roughly $950, versus $200 cash back (~$200) on the PayPal Cashback Mastercard.
- Is the United Quest Card's $350 annual fee worth it compared to the PayPal Cashback Mastercard?
- 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 PayPal Cashback Mastercard's, pick the one whose perks you'll actually use.
- Can I have both the United Quest Card and PayPal Cashback Mastercard?
- Yes, since they're from different issuers (Chase and Synchrony) 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 PayPal Cashback Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Quest Card: $4,000 spend in 3 months. PayPal Cashback Mastercard: $500 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.