United℠ Quest vs Delta SkyMiles® Platinum
Side-by-side comparison
| United℠ Quest | Delta SkyMiles® Platinum | |
|---|---|---|
| Annual fee | $350 | $350 |
| Welcome offer | Up to 70,000 bonus miles + 500 PQP | |
| Dining | 2x | 2x |
| Groceries | 1x | 2x |
| Gas | 1x | 1x |
| Travel | 2x | 1x |
| Streaming | 2x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $346 | $382 |
| Points type | Locked to United MileagePlus | Locked to Delta SkyMiles |
| Network | Visa | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | United℠ Quest | Delta SkyMiles® Platinum |
|---|---|---|
| Welcome bonus | Up to 70,000 bonus miles + 500 PQP | Up to 100,000 SkyMiles |
| To earn it | $4,000 in 3 months | $6,000 in 6 months |
| Est. first-year value* | $896 | $1,032 |
| Est. ongoing value / yr* | $196 | $32 |
This one splits by time horizon. In year one the Delta SkyMiles® Platinum is ahead by roughly $136, thanks largely to its welcome offer. But the United℠ Quest earns more every year after, so if you keep it, it overtakes the Delta SkyMiles® Platinum after about 2 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Delta SkyMiles® Platinum. Planning to keep it for years? The United℠ Quest pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | United℠ Quest | Delta SkyMiles® Platinum |
|---|---|---|
| Lounge access | None | None |
| Annual credits | ~$200/yr (1 credits) | 2 listed credits |
| Points & redemptions | Locked to a single program | Locked to a single program |
On perks and redemptions, the United℠ Quest carries the heavier credit stack (about $200 a year). Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the United℠ Quest earns about $346 a year in rewards and the Delta SkyMiles® Platinum about $382, valuing every point at a flat 1 cent. The United℠ Quest charges $350, but carries about $200 in annual statement credits that offset it for anyone who uses them. The Delta SkyMiles® Platinum charges $350, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the United℠ Quest delivers more total value, about $64 a year more for a typical spender, mostly because it earns more where you spend most, on travel and streaming. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Delta SkyMiles® Platinum currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the United℠ Quest if your spending leans toward travel, streaming. Pick the Delta SkyMiles® Platinum if your spending leans toward groceries.