Is the United Quest℠ Card Worth the $350 Annual Fee?
On rewards alone, the United Quest℠ Card never out-earns the no-fee Hilton Honors American Express Card — its $350 fee has to be justified by credits and perks, not the earn rates.
Rates verified 2026-05-12.
Method: we compare what the United Quest℠ Card earns against the best no-annual-fee card in the same category — the Hilton Honors American Express Card — because the alternative to paying a fee is not earning nothing, it is a good free card. Full methodology.
Three spending levels
| Profile | United Quest℠ Card | Hilton Honors American Express Card | After the $350 fee |
|---|---|---|---|
| Light spender ($1,200/mo) | $169/yr | $542/yr | −$723 behind |
| Typical spender ($2,400/mo) | $340/yr | $1,082/yr | −$1,093 behind |
| Heavy spender ($4,500/mo) | $637/yr | $2,030/yr | −$1,743 behind |
The breakeven curve
| Monthly spend | Margin vs. Hilton Honors American Express Card (after fee) | Verdict |
|---|---|---|
| $500 | −$505 | keep the free card |
| $1,000 | −$659 | keep the free card |
| $1,500 | −$815 | keep the free card |
| $2,400 | −$1,093 | keep the free card |
| $3,500 | −$1,433 | keep the free card |
| $5,000 | −$1,898 | keep the free card |
| $7,500 | −$2,672 | keep the free card |
Caveats that can move this math: 3X on United. Statement credits and perks are not counted unless you would have spent that money anyway.