Head to head

United Quest Card vs. Sam's Club Mastercard

On the criteria below, United Quest Card wins 3 of 4. The verdict depends on which criteria matter to you.

United Quest Card

Chase

Synchrony

At a glance

United Quest Card wins 3 of 4 criteria here, making it the stronger all-rounder.

United Quest Card wins on first-year math, earning ceiling, and travel insurance; Sam's Club Mastercard wins on annual fee.

Pick the United Quest Card if year-one math is your priority; take the Sam's Club Mastercard if you want a cheaper card to keep long-term.

3 vs 1

First-year math United Quest Card

United Quest Card wins on bonus value minus annual fee.
Annual fee Sam's Club Mastercard

Sam's Club Mastercard is $350 cheaper to keep.
Earning ceiling United Quest Card

United Quest Card earns more on its best category (10× vs 5×).
Travel insurance United Quest Card

United Quest Card carries built-in travel insurance.

Annual fee: $350; Free
Welcome offer (typical value): $910; $30
First-year net: +$560; +$30
Peak earning rate: 10×; 5×
Top categories: Airfare, Travel, Hotels Resorts; Gas Ev Charging, Dining, Sams Club Purchases
Lounge access: No; No
Travel insurance: Yes; No
Elite status: No; No
Foreign transaction fee: None; None
Reward currency: United MileagePlus; Sam's Cash

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.