IHG One Rewards Premier Select Credit Card vs United Quest℠ Card

IHG One Rewards Premier Select Credit CardIHG One Rewards Premier Select Credit Card

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United Quest℠ CardUnited Quest℠ Card

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Annual Fee
$350
$350
Card Type
Personal
Personal
Rewards Currency
IHG One Rewards Points
United MileagePlus
Point Value
0.50¢/pt
1.35¢/pt
Base Earn Rate
3x
1x
Welcome Bonus
—
80,000 United MileagePlus after $4,000 in 90 days

Effective return by category

CategoryIHG One Rewards Premier Select Credit CardUnited Quest℠ Card
Travel3.00%
6x
2.70%
2x
Card Travel Portals3.00%
6x
2.70%
2x
Airfare3.00%
6x
2.70%
2x
Dining & Restaurants3.00%
6x
2.70%
2x
Car Rentals3.00%
6x
2.70%
2x
Hotels & Lodging3.00%
6x
2.70%
2x
Rideshare & Transit1.50%
3x
2.70%
2x
Food Delivery1.50%
3x
2.70%
2x
Streaming1.50%
3x
2.70%
2x
Everything else1.50%
3x
1.35%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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