Is the United Quest Card worth the higher annual fee?

The United Quest Card costs $350/yr vs $195/yr for the Aeroplan® Card. Compare the year-one vs ongoing value table on this page — the $155 gap must be offset by higher earn rates, welcome offers, or credits you will use (the United Quest Card also lists travel credits).

Which card earns more rewards, the Aeroplan® Card or United Quest Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Aeroplan® Card have that the United Quest Card doesn't?

The Aeroplan® Card offers travel credits, dining credits. The United Quest Card offers travel credits.

Should I get the Aeroplan® Card or the United Quest Card?

Use the spend scenarios on this page: the Aeroplan® Card has a lower $195/yr fee; the United Quest Card must earn enough extra (or offer a larger welcome bonus) to justify $350/yr.

Aeroplan® Card vs United Quest Card

Annual fees: Aeroplan® Card $195/yr, United Quest Card $350/yr. Strongest bonus categories: Aeroplan® Card on travel, United Quest Card on hotels.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Aeroplan® Card Chase · $195/yr	United Quest Card Chase · $350/yr
Annual fee	$195 Lowest	$350
Welcome offerCurrent public offer	75,000 points	Up to 90,000 miles
Rewards	Aeroplan Loyalty Program	United MileagePlus
Foreign transaction fee	None	None
Network	Mastercard World Elite	Visa Signature
Earn ratesPer $1 spent
Travel	3x Highest	2x
Dining	2x	2x
Gas Stations	2x Highest	1x
Grocery Stores	2x Highest	1x
Streaming	1x	2x Highest
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$120 Global Entry/TSA PreCheck/NEXUS · $120 every 4 years	$200 United travel $150 Renowned Hotels $80 Avis/Budget travel $120 Global Entry/TSA PreCheck/NEXUS 25% United inflight $150/yr JSX credit
Rideshare & transit	—	$100/yr rideshare · $8 monthly
Dining & delivery	DoorDash DashPass	$15/mo Instacart+ · $15 monthly 3 months Instacart+
Other credits	Up to $100 in Air Canada credits · $50 every 6 months Credit Journey	—
Perks & access— means none on record
Hotel status & programs	Automatic Aeroplan 25K Status Aeroplan 35K Status at $75,000 spend	—
Airline perks	15% off Air Canada flight redemptions Free First Checked Bags	Annual 10,000-mile award flight discount Free first and second checked bags for you plus companion 2 Economy Plus upgrades after $40K annual spend Priority boarding on all United flights
Other perks	No foreign transaction fees Mastercard 24/7 Concierge	No foreign transaction fees Premier upgrades on award tickets Earn 10,000-mile award discount after $20K annual spend
Protections & insuranceLimits where published · — means none on record
Trip insurance	Trip Cancellation/Trip Interruption Insurance · up to $1,500 Trip Delay Reimbursement · up to $500	Trip cancellation coverage up to $6,000 per trip Trip delay coverage up to $500 per person after 12 hours
Baggage	Baggage Delay Insurance · up to $100	Baggage delay coverage up to $100/day for 3 days Lost luggage coverage up to $3,000 per person
Rental car	Auto Rental Collision Damage Waiver	Primary rental car insurance up to $60,000
Purchase & returns	Purchase Protection · up to $500 24/7 Fraud Monitoring	Purchase protection up to $10,000 per item for 120 days
Extended warranty	—	Extended warranty adds 1 year to manufacturer warranty
Other protections	Roadside Assistance	—
Pros & cons
Pros	—	Two free checked bags for cardholder plus companion (up to $440 per roundtrip) $200 annual TravelBank credit effectively reduces fee to $150 $180/year in Instacart credits ($15/month through 2027) 10,000-mile award discount annually plus another 10K after $20K spend Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs
Cons	—	$350 annual fee is substantial without lounge access TravelBank credits only work on United/United Express flights PQP earning cap of 18,000 limits status acceleration potential 2x on non-United travel is lower than some competitors Instacart credits expire December 2027
	Card details	Card details

Aeroplan® Card
Chase · $195/yr
United Quest Card
Chase · $350/yr

Overview

Annual fee: Aeroplan® Card
$195
Lowest
United Quest Card
$350
Welcome offerCurrent public offer: Aeroplan® Card
75,000 points
United Quest Card
Up to 90,000 miles
Rewards: Aeroplan® Card
Aeroplan Loyalty Program
United Quest Card
United MileagePlus
Foreign transaction fee: Aeroplan® Card
None
United Quest Card
None
Network: Aeroplan® Card
Mastercard World Elite
United Quest Card
Visa Signature

Earn ratesPer $1 spent

Travel: Aeroplan® Card
3x
Highest
United Quest Card
2x
Dining: Aeroplan® Card
2x
United Quest Card
2x
Gas Stations: Aeroplan® Card
2x
Highest
United Quest Card
1x
Grocery Stores: Aeroplan® Card
2x
Highest
United Quest Card
1x
Streaming: Aeroplan® Card
1x
United Quest Card
2x
Highest
Everything else: Aeroplan® Card
1x
United Quest Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: Aeroplan® Card
$120 Global Entry/TSA PreCheck/NEXUS · $120 every 4 years
United Quest Card
$200 United travel
$150 Renowned Hotels
$80 Avis/Budget travel
$120 Global Entry/TSA PreCheck/NEXUS
25% United inflight
$150/yr JSX credit
Rideshare & transit: Aeroplan® Card
—
United Quest Card
$100/yr rideshare · $8 monthly
Dining & delivery: Aeroplan® Card
DoorDash DashPass
United Quest Card
$15/mo Instacart+ · $15 monthly
3 months Instacart+
Other credits: Aeroplan® Card
Up to $100 in Air Canada credits · $50 every 6 months
Credit Journey
United Quest Card
—

Perks & access— means none on record

Hotel status & programs: Aeroplan® Card
Automatic Aeroplan 25K Status
Aeroplan 35K Status at $75,000 spend
United Quest Card
—
Airline perks: Aeroplan® Card
15% off Air Canada flight redemptions
Free First Checked Bags
United Quest Card
Annual 10,000-mile award flight discount
Free first and second checked bags for you plus companion
2 Economy Plus upgrades after $40K annual spend
Priority boarding on all United flights
Other perks: Aeroplan® Card
No foreign transaction fees
Mastercard 24/7 Concierge
United Quest Card
No foreign transaction fees
Premier upgrades on award tickets
Earn 10,000-mile award discount after $20K annual spend

Protections & insuranceLimits where published · — means none on record

Trip insurance: Aeroplan® Card
Trip Cancellation/Trip Interruption Insurance · up to $1,500
Trip Delay Reimbursement · up to $500
United Quest Card
Trip cancellation coverage up to $6,000 per trip
Trip delay coverage up to $500 per person after 12 hours
Baggage: Aeroplan® Card
Baggage Delay Insurance · up to $100
United Quest Card
Baggage delay coverage up to $100/day for 3 days
Lost luggage coverage up to $3,000 per person
Rental car: Aeroplan® Card
Auto Rental Collision Damage Waiver
United Quest Card
Primary rental car insurance up to $60,000
Purchase & returns: Aeroplan® Card
Purchase Protection · up to $500
24/7 Fraud Monitoring
United Quest Card
Purchase protection up to $10,000 per item for 120 days
Extended warranty: Aeroplan® Card
—
United Quest Card
Extended warranty adds 1 year to manufacturer warranty
Other protections: Aeroplan® Card
Roadside Assistance
United Quest Card
—

Pros & cons

Pros: Aeroplan® Card
—
United Quest Card
Two free checked bags for cardholder plus companion (up to $440 per roundtrip)
$200 annual TravelBank credit effectively reduces fee to $150
$180/year in Instacart credits ($15/month through 2027)
10,000-mile award discount annually plus another 10K after $20K spend
Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs
Cons: Aeroplan® Card
—
United Quest Card
$350 annual fee is substantial without lounge access
TravelBank credits only work on United/United Express flights
PQP earning cap of 18,000 limits status acceleration potential
2x on non-United travel is lower than some competitors
Instacart credits expire December 2027

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Aeroplan® Card wins in 3 of 4 categories. The United Quest Card leads in 1. 1 more category depend on booking channel or caps.

Grocery Stores

Aeroplan® Card earns 2X vs 1X

Travel

Aeroplan® Card earns 3X vs 2X

Gas Stations

Aeroplan® Card earns 2X vs 1X

Streaming

United Quest Card earns 2X vs 1X

Hotels

Depends: via Chase Travel

United Quest Card earns 5X when conditions are met; Aeroplan® Card earns 1X (1X without restrictions)

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Close — depends on how much of the credits you use

Scenario	Aeroplan® Card	United Quest Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $250 Credits (our usable estimate): $93 − Annual fee ($195) Ongoing: $148 Year one: $1,123	Rewards: $180 Credits (our usable estimate): $437 − Annual fee ($350) Ongoing: $267 Year one: $1,227	Close — depends on how much of the credits you use	Close — depends on how much of the credits you use
Heavy spender: $4,000/month	Rewards: $998 Credits (our usable estimate): $93 − Annual fee ($195) Ongoing: $896 Year one: $1,871	Rewards: $720 Credits (our usable estimate): $437 − Annual fee ($350) Ongoing: $807 Year one: $1,767	Close — depends on how much of the credits you use	Close — depends on how much of the credits you use

Is the Fee Difference Worth It?

The United Quest Card costs $350/yr — that's $155 more than the Aeroplan® Card ($195/yr). To justify that gap, you need to extract at least $155 in annual value from the card's higher earn rates and benefits.

The United Quest Card includes travel credits, Global Entry/TSA PreCheck credit, free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $155 fee gap for your own usage.

Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $155 fee gap means the United Quest Card needs roughly $155 more in annual rewards (or credits you will use) to break even on hotels and dining and everyday spend.

Which Card Is Right for You?

Get the Aeroplan® Card if you:

+Do most of your spending at grocery stores

The Bottom Line

Close — depends on how much of the credits you use

Published annual fees: Aeroplan® Card $195/yr, United Quest Card $350/yr — a $155 difference before welcome offers and credits.

Frequently Asked Questions

Is the United Quest Card worth the higher annual fee?: The United Quest Card costs $350/yr vs $195/yr for the Aeroplan® Card. Compare the year-one vs ongoing value table on this page — the $155 gap must be offset by higher earn rates, welcome offers, or credits you will use (the United Quest Card also lists travel credits).
Which card earns more rewards, the Aeroplan® Card or United Quest Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Aeroplan® Card have that the United Quest Card doesn't?: The Aeroplan® Card offers travel credits, dining credits. The United Quest Card offers travel credits.
Should I get the Aeroplan® Card or the United Quest Card?: Use the spend scenarios on this page: the Aeroplan® Card has a lower $195/yr fee; the United Quest Card must earn enough extra (or offer a larger welcome bonus) to justify $350/yr.

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Official issuer pages: Chase cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.