Is the United Quest Card worth the higher annual fee?

The United Quest Card costs $350/yr vs $99/yr for the JetBlue Plus Card. Compare the year-one vs ongoing value table on this page — the $251 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 JetBlue Plus 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 JetBlue Plus Card have that the United Quest Card doesn't?

The JetBlue Plus Card offers travel credits. The United Quest Card offers travel credits.

Should I get the JetBlue Plus Card or the United Quest Card?

Use the spend scenarios on this page: the JetBlue Plus Card has a lower $99/yr fee; the United Quest Card must earn enough extra (or offer a larger welcome bonus) to justify $350/yr.

JetBlue Plus Card vs United Quest Card

Annual fees: JetBlue Plus Card $99/yr, United Quest Card $350/yr. Strongest bonus categories: JetBlue Plus Card on dining, United Quest Card on hotels.

Card data as of October 12, 2026.

Credit card comparison
Overview
	JetBlue Plus Card Barclays · $99/yr	United Quest Card Chase · $350/yr
Annual fee	$99 Lowest	$350
Welcome offerCurrent public offer	70,000 points	Up to 90,000 miles
Rewards	JetBlue TrueBlue Rewards Program	United MileagePlus
Foreign transaction fee	None	None
Network	Mastercard World Elite	Visa Signature
Earn ratesPer $1 spent
Dining	2x	2x
Grocery Stores	2x Highest	1x
Streaming	1x	2x Highest
Travel	1x	2x Highest
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$100 JetBlue Vacations	$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	—	$15/mo Instacart+ · $15 monthly 3 months Instacart+
Perks & access— means none on record
Airline perks	Save 50% on inflight food and drinks First checked bag free for cardholder plus 3 companions	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	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 coverage up to $6,000 per trip Trip delay coverage up to $500 per person after 12 hours
Baggage	—	Baggage delay coverage up to $100/day for 3 days Lost luggage coverage up to $3,000 per person
Rental car	—	Primary rental car insurance up to $60,000
Purchase & returns	—	Purchase protection up to $10,000 per item for 120 days
Extended warranty	—	Extended warranty adds 1 year to manufacturer warranty
Pros & cons
Pros	6x points on JetBlue purchases provides strong earning rate Free first checked bag extends to up to 3 companions on same reservation 10% points back when redeeming for JetBlue award flights 50% off eligible inflight food and drinks 5,000 anniversary bonus points each year	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	$99 annual fee may not be justified for occasional flyers No lounge access benefit No companion certificate No priority boarding Only 2x points on restaurants and groceries (same as no-fee 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	Card details

JetBlue Plus Card
Barclays · $99/yr
United Quest Card
Chase · $350/yr

Overview

Annual fee: JetBlue Plus Card
$99
Lowest
United Quest Card
$350
Welcome offerCurrent public offer: JetBlue Plus Card
70,000 points
United Quest Card
Up to 90,000 miles
Rewards: JetBlue Plus Card
JetBlue TrueBlue Rewards Program
United Quest Card
United MileagePlus
Foreign transaction fee: JetBlue Plus Card
None
United Quest Card
None
Network: JetBlue Plus Card
Mastercard World Elite
United Quest Card
Visa Signature

Earn ratesPer $1 spent

Dining: JetBlue Plus Card
2x
United Quest Card
2x
Grocery Stores: JetBlue Plus Card
2x
Highest
United Quest Card
1x
Streaming: JetBlue Plus Card
1x
United Quest Card
2x
Highest
Travel: JetBlue Plus Card
1x
United Quest Card
2x
Highest
Everything else: JetBlue Plus Card
1x
United Quest Card
1x

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

Travel: JetBlue Plus Card
$100 JetBlue Vacations
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: JetBlue Plus Card
—
United Quest Card
$100/yr rideshare · $8 monthly
Dining & delivery: JetBlue Plus Card
—
United Quest Card
$15/mo Instacart+ · $15 monthly
3 months Instacart+

Perks & access— means none on record

Airline perks: JetBlue Plus Card
Save 50% on inflight food and drinks
First checked bag free for cardholder plus 3 companions
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: JetBlue Plus Card
No foreign transaction fees
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: JetBlue Plus Card
—
United Quest Card
Trip cancellation coverage up to $6,000 per trip
Trip delay coverage up to $500 per person after 12 hours
Baggage: JetBlue Plus Card
—
United Quest Card
Baggage delay coverage up to $100/day for 3 days
Lost luggage coverage up to $3,000 per person
Rental car: JetBlue Plus Card
—
United Quest Card
Primary rental car insurance up to $60,000
Purchase & returns: JetBlue Plus Card
—
United Quest Card
Purchase protection up to $10,000 per item for 120 days
Extended warranty: JetBlue Plus Card
—
United Quest Card
Extended warranty adds 1 year to manufacturer warranty

Pros & cons

Pros: JetBlue Plus Card
6x points on JetBlue purchases provides strong earning rate
Free first checked bag extends to up to 3 companions on same reservation
10% points back when redeeming for JetBlue award flights
50% off eligible inflight food and drinks
5,000 anniversary bonus points each year
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: JetBlue Plus Card
$99 annual fee may not be justified for occasional flyers
No lounge access benefit
No companion certificate
No priority boarding
Only 2x points on restaurants and groceries (same as no-fee 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 United Quest Card wins in 2 of 3 categories. The JetBlue Plus Card leads in 1. 1 more category depend on booking channel or caps.

Grocery Stores

JetBlue Plus Card earns 2X vs 1X

Streaming

United Quest Card earns 2X vs 1X

Travel

United Quest Card earns 2X vs 1X

Hotels

Depends: via Chase Travel

United Quest Card earns 5X when conditions are met; JetBlue Plus 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	JetBlue Plus Card	United Quest Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $211 Credits (our usable estimate): $5 − Annual fee ($99) Ongoing: $117 Year one: $1,062	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: $842 Credits (our usable estimate): $5 − Annual fee ($99) Ongoing: $748 Year one: $1,693	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 $251 more than the JetBlue Plus Card ($99/yr). To justify that gap, you need to extract at least $251 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 $251 fee gap for your own usage.

Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $251 fee gap means the United Quest Card needs roughly $251 more in annual rewards (or credits you will use) to break even on hotels and dining and everyday spend.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing JetBlue Plus Card means losing:

-Global Entry credit

Which Card Is Right for You?

Get the JetBlue Plus 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: JetBlue Plus Card $99/yr, United Quest Card $350/yr — a $251 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 $99/yr for the JetBlue Plus Card. Compare the year-one vs ongoing value table on this page — the $251 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 JetBlue Plus 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 JetBlue Plus Card have that the United Quest Card doesn't?: The JetBlue Plus Card offers travel credits. The United Quest Card offers travel credits.
Should I get the JetBlue Plus Card or the United Quest Card?: Use the spend scenarios on this page: the JetBlue Plus Card has a lower $99/yr fee; the United Quest Card must earn enough extra (or offer a larger welcome bonus) to justify $350/yr.

Related Comparisons

Aeroplan® Card vs JetBlue Plus Card Aeroplan® Card vs United Quest Card Chase Freedom Unlimited vs United Quest Card Citi / AAdvantage Executive World Legend Mastercard vs JetBlue Plus Card

Explore More

JetBlue Plus Card — Full Review All Barclays Cards

United Quest Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Barclays cards · 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.