United Quest Card vs U.S. Bank Cash+® Visa Signature® Card
Annual fees: United Quest Card $350/yr, U.S. Bank Cash+® Visa Signature® Card $0/yr. Strongest bonus categories: United Quest Card on hotels, U.S. Bank Cash+® Visa Signature® Card on telecom.
Card data as of October 12, 2026.
United Quest CardChase · $350/yr
U.S. Bank Cash+® Visa Signature® CardU.S. Bank · No annual fee
Overview
- Annual fee
- United Quest Card$350U.S. Bank Cash+® Visa Signature® Card$0Lowest
- Welcome offerCurrent public offer
- United Quest CardUp to 90,000 milesU.S. Bank Cash+® Visa Signature® Card$200 cash back
- Rewards
- United Quest CardUnited MileagePlusU.S. Bank Cash+® Visa Signature® CardCash back
- Foreign transaction fee
- United Quest CardNoneLowestU.S. Bank Cash+® Visa Signature® Card3%
- Network
- United Quest CardVisa SignatureU.S. Bank Cash+® Visa Signature® CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- United Quest Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Department Stores
- United Quest Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Electronics
- United Quest Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Fast Food
- United Quest Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Fitness
- United Quest Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Movie Theaters
- United Quest Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Sporting Goods
- United Quest Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Streaming
- United Quest Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Telecom
- United Quest Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Transit
- United Quest Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Utilities
- United Quest Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Dining
- United Quest Card2xU.S. Bank Cash+® Visa Signature® Card2%
- Gas Stations
- United Quest Card1xU.S. Bank Cash+® Visa Signature® Card2%
- Grocery Stores
- United Quest Card1xU.S. Bank Cash+® Visa Signature® Card2%
- Travel
- United Quest Card2xU.S. Bank Cash+® Visa Signature® Card1%
- Everything else
- United Quest Card1xU.S. Bank Cash+® Visa Signature® Card1%
Statement creditsAs the issuer states them · — means none on record
- Travel
- 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
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Rideshare & transit
- United Quest Card
- $100/yr rideshare · $8 monthly
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Dining & delivery
- United Quest Card
- $15/mo Instacart+ · $15 monthly
- 3 months Instacart+
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Perks & access— means none on record
- Airline perks
- 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
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Other perks
- United Quest Card
- No foreign transaction fees
- Premier upgrades on award tickets
- Earn 10,000-mile award discount after $20K annual spend
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- United Quest Card
- Trip cancellation coverage up to $6,000 per trip
- Trip delay coverage up to $500 per person after 12 hours
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Baggage
- United Quest Card
- Baggage delay coverage up to $100/day for 3 days
- Lost luggage coverage up to $3,000 per person
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Rental car
- United Quest Card
- Primary rental car insurance up to $60,000
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Purchase & returns
- United Quest Card
- Purchase protection up to $10,000 per item for 120 days
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Extended warranty
- United Quest Card
- Extended warranty adds 1 year to manufacturer warranty
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Pros & cons
- Pros
- 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
U.S. Bank Cash+® Visa Signature® Card- 5% cash back on two categories of your choice (from 12+ options)
- 2% on one everyday category (dining, gas, or grocery)
- No annual fee
- Visa Signature benefits
- $200 welcome bonus
- Cons
- 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
U.S. Bank Cash+® Visa Signature® Card- Must select 5% categories each quarter (defaults to 1% if forgotten)
- $2,000 combined quarterly cap on 5% categories
- 3% foreign transaction fee
- Base rate only 1% on non-category spend
Category-by-Category Winner
No unconditional category winner — 15 categories depend on how you earn.
Streaming
Depends: up to $2,000/quarter; 5% applies only if TV, internet and streaming is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Quest Card earns 2X (2X without restrictions)
Travel
Depends: via issuer travel portal
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Quest Card earns 2X (2X without restrictions)
Hotels
Depends: via Chase Travel
United Quest Card earns 5X when conditions are met; U.S. Bank Cash+® Visa Signature® Card earns 1X (1X without restrictions)
Telecom
Depends: up to $2,000/quarter; 5% applies only if cell phone providers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Quest Card earns 1X (1X without restrictions)
Cable TV
Depends: up to $2,000/quarter; 5% applies only if TV, internet and streaming is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Quest Card earns 1X (1X without restrictions)
Movie Theaters
Depends: up to $2,000/quarter; 5% applies only if movie theaters is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Quest Card earns 1X (1X without restrictions)
Transit
Depends: up to $2,000/quarter; 5% applies only if ground transportation is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Quest Card earns 1X (1X without restrictions)
Fitness
Depends: up to $2,000/quarter; 5% applies only if gyms/fitness centers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Quest Card earns 1X (1X without restrictions)
Department Stores
Depends: up to $2,000/quarter; 5% applies only if department stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Quest Card earns 1X (1X without restrictions)
Electronics
Depends: up to $2,000/quarter; 5% applies only if electronics stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Quest Card earns 1X (1X without restrictions)
Sporting Goods
Depends: up to $2,000/quarter; 5% applies only if sporting goods stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Quest Card earns 1X (1X without restrictions)
Fast Food
Depends: up to $2,000/quarter; 5% applies only if fast food is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Quest Card earns 1X (1X without restrictions)
Utilities
Depends: up to $2,000/quarter; 5% applies only if home utilities is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Quest Card earns 1X (1X without restrictions)
Gas Stations
Depends: 2% applies only if gas stations and EV charging is the one everyday category you choose each quarter.
U.S. Bank Cash+® Visa Signature® Card earns 2X when conditions are met; United Quest Card earns 1X (1X without restrictions)
Grocery Stores
Depends: 2% applies only if grocery stores and grocery delivery is the one everyday category you choose each quarter.
U.S. Bank Cash+® Visa Signature® Card earns 2X when conditions are met; United Quest 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.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | United Quest Card | U.S. Bank Cash+® Visa Signature® Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $437 − Annual fee ($350) Ongoing: $267 Year one: $1,227 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Close — depends on how much of the credits you use | United Quest Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $437 − Annual fee ($350) Ongoing: $807 Year one: $1,767 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | United Quest Card | United Quest Card |
Is the Fee Difference Worth It?
The United Quest Card costs $350/yr — that's $350 more than the U.S. Bank Cash+® Visa Signature® Card (no annual fee). To justify that gap, you need to extract at least $350 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 $350 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $350 fee gap means the United Quest Card needs roughly $350 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 U.S. Bank Cash+® Visa Signature® Card means losing:
- -Free checked bags
- -Global Entry credit
Which Card Is Right for You?
Get the U.S. Bank Cash+® Visa Signature® Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Published annual fees: United Quest Card $350/yr, U.S. Bank Cash+® Visa Signature® Card $0/yr — a $350 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 $0/yr for the U.S. Bank Cash+® Visa Signature® Card. Compare the year-one vs ongoing value table on this page — the $350 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 United Quest Card or U.S. Bank Cash+® Visa Signature® 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 United Quest Card have that the U.S. Bank Cash+® Visa Signature® Card doesn't?
- The United Quest Card offers travel credits. The U.S. Bank Cash+® Visa Signature® Card focuses more on earn rates than premium perks.
- Should I get the United Quest Card or the U.S. Bank Cash+® Visa Signature® Card?
- Use the spend scenarios on this page: the U.S. Bank Cash+® Visa Signature® Card has a lower $0/yr fee; the United Quest Card must earn enough extra (or offer a larger welcome bonus) to justify $350/yr.
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.