Compare the Features and Benefits of United Quest℠ Credit Card and
Capital One Venture X Business

The United Quest Card is a fantastic option for United flyers that travel with the airline at least several times per year. There are also a number of unique perks that you don’t see on other airline credit cards. Let’s take a closer look.

First, $200 in United® TravelBank cash after account opening and annually on your account anniversary, is easy to use since it’s sitting in your TravelBank account waiting for you to use it! You’ll also automatically get 10,000 United miles back into your account after you redeem United miles for an award flight once per year.

Finally, this card also benefits those that overpack when they travel — the Quest card provides not one, but two free checked bags for the primary card holder and one companion traveling on the same reservation. That’s a potential luggage reimbursement savings of up to $320 per round trip.

Two of the perks, the $200 United credit and up to 10,000 mileage reimbursement, already go far in making the $350 annual fee worth it, especially since these are unique benefits that aren’t duplicated on other United credit cards.

In addition to offering a generous United Quest Card bonus, the card also includes a 25% discount on food and beverages on United operated flights and a wide array of travel and purchase protections. On the bonus category front, there’s a wide array including the ability to earn 3X miles on United Airlines purchases (after the $200 United credit is applied), 2X miles on the broad category of travel, 2X miles on dining, including eligible delivery services, and 2X miles on select streaming services.

There are also a huge range of both Unique Card Benefits and Annual Statement credits as described in the sections above, like up to $100 in credits on rideshare purchases annually, up to $80 in Avis/Budget credits annually, up to $150 in JSX statement credits annually, and up to $180 of Instacart credits annually.

And don’t forget the ability to earn PQPs towards elite status from spend. Earn up to 18,000 Premier qualifying points per calendar year (1 PQP for every $20 you spend on purchases) plus the bonus 1,000 Card Bonus PQP each qualification year, starting in 2026.

More frequent United Airlines flyers may want to consider the $695-per-year United Club Infinite card, a more premium card that offers airport lounge access. Meanwhile, those United travelers who travel a bit less frequently may want to consider the $150-per-year United Explorer card.

💳 This card earns Capital One Miles. Capital One often runs transfer bonuses where you can get even more points when you transfer to airline or hotel partners at designated times. Transfer bonuses are awesome. Get 20%, 30%, 40% or more bonus miles when you transfer points at the right times. But they are easy to miss!

You can see all past Transfer Bonuses from Capital One Miles here.

Even better? Get notified when a new transfer bonus comes out and again before it ends (either or both, your choice). Sign up for free alerts right here. 🔔

The Capital One Venture X Business card is a very well rounded travel credit card that is easy to recommend to almost anyone, especially with No Preset Spending Limit – meaning that heavy business spenders will have an easier time.

The first objection is always the annual fee, but once you see that the $300 annual travel credit and 10,000 miles anniversary bonus (worth $100 or more) nets out the annual fee, it’s much easier to go and focus on the benefits.

If you consider the annual fee to effectively be -$5 as I do based on the above though process, then you are looking a a TON of benefits for a card where you aren’t out a ton on the annual fee with nothing in return.

You’re getting No Preset Spending Limit, Plaza Premium and Priority Pass lounge access, Capital One Lounges, Global Entry (or PreCheck) fee reimbursement, the ability to earn up to 10X miles on travel booked via Capital One, and cell phone protection.

See, that’s a mouthful! You would expect to be paying a massive annual fee for all of that (without credits that net it out) and in this case, you’re just not. Of course, you’ll still have to pay the $395 fee upfront, but you’ll also be able to get that early spend bonus. That offsets it nicely!

In our opinion, this card is simply one of the best travel business cards around in terms of both benefits and value for money.

And as icing on the cake, aside from the initial hard pull on your personal credit to qualify you for approval, it won’t report to your personal credit file as long as your account remains in good standing.

This card is also featured in Which Capital One Business Cards Report to Personal Credit (Count Towards 5/24)? and in the article Business Credit Cards That Don’t Report to Personal Credit Bureaus.