The Ritz-Carlton Credit Card or Chase United Quest?

Chase United Quest returns $456 over its fee and The Ritz-Carlton Credit Card returns $120, so the fee difference comes down to which categories you use.

The Ritz-Carlton Credit CardChase · $450 fee · 2 credits

Chase United QuestChase · $350 fee · 6 credits

NET VALUE-$120$330 credits

NET VALUE+$456$806 credits

CATEGORY	THE RITZ-CARLTON CREDIT CARD	UNITED QUEST
🌎Travel	$300	$500
🍽️Food & Dining	—	$180
🚗Transportation	—	$96
Hotel Free Night Certificates	Marriott 85k Free Night	—
Lounge Access	Chase Sapphire Lounge Access Priority Pass Select (No Restaurants)	—
Total credits	$330	$806
Annual fee	$450	$350
Net value	-$120	+$456

CHASEThe Ritz-Carlton Credit Card

FEE$450

CREDITS$330

NET-$120

Category wins0 of 3

ADDITIONAL BENEFITS

HOTEL FREE NIGHT CERTIFICATES

Marriott 85k Free Night

LOUNGE ACCESS

Chase Sapphire Lounge Access

Priority Pass Select (No Restaurants)

BEST NET VALUE

CHASEChase United Quest

FEE$350

CREDITS$806

NET+$456

Category wins3 of 3

TAKE THE UNITED QUEST IF

You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $276 here and nothing on the The Ritz-Carlton Credit Card.

Where to use each card

THE RITZ-CARLTON CREDIT CARD

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UNITED QUEST

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Frequently asked questions

Which is better, The Ritz-Carlton Credit Card or Chase United Quest?

The Chase United Quest is better with $456 net annual value compared to the Ritz-Carlton Credit Card at -$120. The Chase United Quest wins by $576/year.

What's the difference between The Ritz-Carlton Credit Card and Chase United Quest?

The key differences: The Ritz-Carlton Credit Card has a $450 annual fee and $806 in annual benefits, while Chase United Quest has a $350 annual fee and $330 in annual benefits. The annual fee difference is $100.

Which has a lower annual fee, The Ritz-Carlton Credit Card or Chase United Quest?

The Chase United Quest has a lower annual fee at $350 compared to the Ritz-Carlton Credit Card at $450. However, the Ritz-Carlton Credit Card offers $330 in total annual benefits.

Is the Chase United Quest worth it compared to the Ritz-Carlton Credit Card?

Yes, the Chase United Quest offers better value with $456 net annual value compared to -$120 for the Ritz-Carlton Credit Card. It also has a lower annual fee.

Which card is better for travel?

The Chase United Quest is better for travel with $500 in annual travel benefits compared to $300 for the Ritz-Carlton Credit Card.

Should I get the Chase United Quest?

If you're deciding between the Ritz-Carlton Credit Card and Chase United Quest, the Chase United Quest is the better choice with $456 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.