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 PenFed Pathfinder Rewards Visa Signature Card
Both are travel travel cards. The United Quest Card comes from Chase at $350/yr; the PenFed Pathfinder Rewards Visa Signature Card from PenFed Credit Union at $95/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 PenFed Pathfinder Rewards Visa Signature Card's. Get the United Quest Card first; revisit the PenFed Pathfinder Rewards Visa Signature Card after you've earned that bonus.
| Feature | United Quest Card | PenFed Pathfinder Rewards Visa Signature Card |
|---|---|---|
| Annual fee | $350 | $95 |
| Sign-up bonus | 70,000 miles + 500 PQP | Not advertised |
| Bonus value (est.) | $950 | - |
| Min spend to unlock bonus | $4,000 in 3 mo | - |
| Issuer | Chase | PenFed Credit Union |
| Card category | travel | 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
PenFed Pathfinder Rewards Visa Signature Card
$95/yr ·
Editorial take: PenFed Pathfinder Rewards Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, United Quest Card or PenFed Pathfinder Rewards Visa Signature Card?
- The United Quest Card has a public bonus (70,000 miles + 500 PQP, worth roughly $950), while the PenFed Pathfinder Rewards Visa Signature Card doesn't advertise one right now.
- Is the United Quest Card's $350 annual fee worth it compared to the PenFed Pathfinder Rewards Visa Signature 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 PenFed Pathfinder Rewards Visa Signature Card's, pick the one whose perks you'll actually use.
- Can I have both the United Quest Card and PenFed Pathfinder Rewards Visa Signature Card?
- Yes, since they're from different issuers (Chase and PenFed Credit Union) 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 PenFed Pathfinder Rewards Visa Signature Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Quest Card: $4,000 spend in 3 months. PenFed Pathfinder Rewards Visa Signature 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.