Delta Platinum vs United Quest compared

Cost and value $350 fee$350 fee

Annual fee

$350

Credits you can use a year, if you use every one

$420 Best: United Quest

$860 Best

Fee after credits

$70 back credits beat the fee Best: United Quest

$510 back Best credits beat the fee

Point value per point or mile

1.20¢ Estimate

Rewards currency

Delta SkyMiles

United MileagePlus miles

Foreign transaction fee

None

Rates and fees

On the issuer's site APR, balance transfer and cash advance vary by applicant

Sign-up bonus 90,000 miles, about $1,38080,000 miles, about $960

Bonus

90,000 miles + $300 $300 Statement Credit

80,000 miles + 500 Premier Qualifying Points (PQP) + 10,000 bonus miles for adding an authorized user

Estimated value

$1,380 Best

$960 for the miles Best: Delta Platinum

Spend to earn it less a month is easier

$4,000 in 180 days Best about $667 a month

$4,000 in 90 days about $1,333 a month Best: Delta Platinum

Offer ends

Nov 4, 2026

No end date listed

Varies by applicant

Yes the issuer may show you a different offer

Earning rates Top rate 3xTop rate 5x

Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.

Dining

2x about 2.4% back

Groceries

2x Best about 2.4% back

1x about 1.2% back, the everything-else rate Best: Delta Platinum

Flights

1x about 1.2% back, the everything-else rate Best: United Quest

2x Best about 2.4% back

Hotels

3x about 3.6% back Best: United Quest

5x Best about 6.0% back

Travel (ground only)

1x about 1.2% back, the everything-else rate Best: United Quest

2x Best about 2.4% back

Transit / Rideshare

1x about 1.2% back, the everything-else rate Best: United Quest

2x Best about 2.4% back

Streaming / Subscriptions

1x about 1.2% back, the everything-else rate Best: United Quest

2x Best about 2.4% back

Everything else

1x about 1.2% back

Only on this card

3x Flights

4x Brand purchases
4x Flights

Statement credits $420 a year$860 a year

Trusted traveler

$120 every 4 years
What counts
Receive either a $120 statement credit for Global Entry application fee or up to $85 statement credit for TSA PreCheck application fee every 4 years.

None

Rideshare

$120 a year $10 every month
What counts
Earn up to $10 back in statement credits each month for U.S. rideshare purchases with select providers, up to $120 back annually.

$100 a year $8 every month
What counts
Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases: up to $8 back each month January through November and up to $12 back for December.

Dining and delivery

$120 a year $10 every month
What counts
Get up to $10 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Card for eligible purchases. That's up to $120 in statement credits annually.

None

Travel booking

$150 a year resets every year
What counts
Elevate your travel experience with an annual statement credit of up to $150 after using your Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

$200 a year resets every card anniversary
What counts
Automatically receive $200 in United TravelBank cash after account opening and annually on your account anniversary, for a future United- or United Express-operated flight.
$150 a year resets every card anniversary
What counts
Get up to $150 back as a statement credit each anniversary year when you book flights directly with JSX using your United Quest Card.
$150 a year resets every card anniversary
What counts
Receive up to $150 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts for United Cardmembers with your United Quest Card.
$80 a year resets every card anniversary
What counts
Receive $40 in United TravelBank cash for each of your first and second Avis or Budget car rental booked directly through cars.united.com and paid with your United Quest Card, up to $80 each anniversary year.
$100 per stay
What counts
Exclusive suite of benefits including a $100 property credit, daily breakfast for two, complimentary Wi-Fi, and a room upgrade and early check-in/late check-out (if available) when booking through Renowned Hotels and Resorts for United Cardmembers.

Other credits

None

$180 a year $5 every month
What counts
Receive one $10 Instacart credit and one $5 Instacart credit each month, up to $180 total each calendar year, for purchases made directly through Instacart with the card. Benefits end 12/31/27.

Monthly credits to track fewer is less work

2

Certificates and passes 1 companion fare, about $300 a year2 upgrades with spend

Values are our estimate of what each certificate typically saves. Certificates expire, so their value depends on using them in time.

Companion fares

Companion Certificate Delta Main round trip within the U.S., Mexico, the Caribbean or Central America, each card year, Government taxes and fees of $22 to $250 apply., about $300 a year

None

Upgrades

None

2 x Global Economy Plus seat upgrades after $40,000 spend

Yearly value certificates that arrive each card year

about $300 Best

None Best: Delta Platinum

Transfer partners No transfersNo transfers

Partners

None

Alliance reach

None

Status, lounges and travel Hertz Gold Plus Rewards Five StarNo status or lounges

Elite status

Hertz Gold Plus Rewards: Five Star after you enroll

None

Other status perks

Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
Earn $1 Medallion Qualification Dollar for each $20 of purchases on the Card, boosting progress toward elevated Medallion Status.
Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year toward Medallion Status.

Primary Cardmembers with MileagePlus Premier® status traveling on an award ticket, plus one companion on the same reservation, are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability.
Earn 1 Premier qualifying point (PQP) for every $20 spent on purchases with your United Quest Card, up to 18,000 PQP per calendar year, applying toward MileagePlus Premier status up to Premier 1K.
Primary Cardmember earns 1,000 Card Bonus Premier Qualifying Points (PQP) each year, awarded within 8 weeks of February 1, to help reach Premier status up to Premier 1K.

Travel benefits

Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
On domestic Delta flights, your second checked bag flies free too.
Enjoy your first checked bag free on Delta flights worldwide.
Take 15% off anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Not applicable to partner-operated flights or to taxes and fees.
Companion Certificate for a Delta Main round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. Requires payment of government-imposed taxes and fees of $22-$250.

Group 2 priority boarding for the primary Cardmember and companions on the same reservation on United-operated flights, a value of $48 per person per roundtrip. $48
Save 10% or more when booking United or United Express award flights with miles; Premier members save even more (at least 15%).
Receive one statement credit every four years, up to $120, after the Global Entry, TSA PreCheck, or NEXUS application fee is charged to your card, by you or an authorized user.
The primary Cardmember and one traveling companion each receive their first and second standard checked bags free on United- and United Express-operated flights, a savings of up to $440 per roundtrip.
Earn a 10,000-mile award flight discount after spending $20,000 on purchases each calendar year, limited to one per cardmember per year.
Starting with your first anniversary and every anniversary thereafter, you'll get a 10,000-mile discount to use toward an eligible award flight.
Complimentary Visa Signature Concierge Service available 24 hours a day for finding tickets, dinner reservations, and gifts.

Protection and insurance 6 coverages6 coverages

Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.

Trip delay

If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period.

Covers unreimbursed expenses such as meals and lodging up to $500 per covered traveler if common carrier travel is delayed more than 12 hours or requires an overnight stay.
Reimburses up to $100 a day for up to 3 days for essential purchases when baggage is delayed over 6 hours.

Baggage

Coverage for lost, damaged, or stolen baggage when purchasing the entire fare for a Common Carrier ticket on an Eligible Card. Up to $1,250 for carry-on and up to $500 for checked baggage, in excess of Common Carrier coverage.

Provides reimbursement up to $3,000 per covered traveler for checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.

Rental car

When you use your Eligible Card to reserve and pay for the Entire Rental and decline the CDW at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Secondary coverage, no liability coverage.

Primary coverage providing reimbursement up to $60,000 for theft and collision damage on most rental vehicles with an MSRP of $125,000 or less when the rental company's collision insurance is declined and the entire rental cost is charged to the card.

Cell phone

Reimbursed for costs to repair or replace your damaged or Stolen cell phone for a maximum of $800 per claim with a limit of 2 approved claims per 12-month period when your cell phone line is listed on a wireless bill paid by an Eligible Card. A $50 deductible applies.

Not listed

Extended warranty

Get up to one extra year added to the Original Manufacturer's Warranty on covered purchases with warranties of 5 years or less in the United States or its territories.

Extends the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase.

Purchase protection

Not listed

Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per item.

Other coverage

Send & Split enhances the way you send money and split purchases with other Venmo and PayPal users, all in the American Express App. Enrollment required.
Covered purchases can be protected for up to 90 days from purchase date, up to $1,000 per purchase and $50,000 per calendar year.

Reimbursement up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares if a trip is canceled or cut short by covered situations.

Lifestyle and other perks 2 perks2 perks

Lifestyle and entertainment

Enhanced experience at select stadiums and arenas with dedicated entrances or fast lanes, plus 10% back on qualifying concessions purchases up to $250 per calendar year after enrollment. Limit one enrolled card per Card Member.
Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can't-miss events and moments across sports, music, and more.

None

Other perks

None

Earn 10,000 bonus miles for each friend approved for any United MileagePlus Card, up to 100,000 bonus miles per year.
Activate to receive 3 months of complimentary Instacart+ membership (including $0 delivery fees on eligible orders over $35), then automatically enrolled at 50% off the annual rate through 12/31/27.

Authorized users FreeFree

Cost

Authorized users are free.

Each one gets

Baggage insurance plan
Car rental loss and damage insurance
Cell phone protection
Purchase protection
Trip delay insurance

Auto rental coverage
Baggage delay insurance
Extended warranty protection
Lost luggage reimbursement
Purchase protection
Trip cancellation and interruption insurance
Trip delay reimbursement

Application rules 2/905/24

Issuer approval rules

2/90 Community-reported
What counts
American Express generally approves at most 2 of its credit cards per 90 days.
5 credit card limit Community-reported
What counts
American Express generally limits you to 5 of its credit cards at once.
10 charge card limit Community-reported
What counts
American Express generally limits you to 10 of its charge cards at once.

5/24 Community-reported
What counts
Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility

Once per lifetime Issuer-stated
What counts
American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language.

Not listed

Card type

Personal

Popular comparisons