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Chase United Business Card vs United Quest Card

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. United Business Card 1.2% 1x base rate
  2. United Quest Card 1.2% 1x base rate

Dining

  1. United Business Card 2.4% 2x
  2. United Quest Card 2.4% 2x

Gas

  1. United Business Card 2.4% 2x
  2. United Quest Card 1.2% 1x base rate

Travel

  1. United Quest Card 2.4% 2x
  2. United Business Card 1.2% 1x base rate

Streaming

  1. United Quest Card 2.4% 2x
  2. United Business Card 1.2% 1x base rate

Flights

  1. United Quest Card 4.8% 4x
  2. United Business Card 1.2% 1x base rate

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers 6.0% 5x

Public transit

  1. United Business Card 2.4% 2x
  2. United Quest Card 1.2% 1x base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. United Quest Card 1.2% 1x base rate

Tolls

  1. United Business Card 2.4% 2x
  2. United Quest Card 1.2% 1x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge United Business Card $150 and United Quest Card $350 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Business Card takes gas, public transit, rideshare & taxis and tolls; United Quest Card takes travel, streaming and flights.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Business Card1.2%
DiningUnited Business Card2.4%
GasUnited Business Card2.4%
TravelUnited Quest Card2.4%
StreamingUnited Quest Card2.4%
FlightsUnited Quest Card4.8%
Hotels · portalUnited Quest Card · Renowned Hotels for United Cardmembers6.0%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. United Business Card — 1.2%
  2. United Quest Card — 1.2%

Dining

  1. United Business Card — 2.4%
  2. United Quest Card — 2.4%

Gas

  1. United Business Card — 2.4%
  2. United Quest Card — 1.2%

Travel

  1. United Quest Card — 2.4%
  2. United Business Card — 1.2%

Streaming

  1. United Quest Card — 2.4%
  2. United Business Card — 1.2%

Flights

  1. United Quest Card — 4.8%
  2. United Business Card — 1.2%

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers — 6.0%

Public transit

  1. United Business Card — 2.4%
  2. United Quest Card — 1.2%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. United Quest Card — 1.2%

Tolls

  1. United Business Card — 2.4%
  2. United Quest Card — 1.2%
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