United Quest vs Hilton Honors: Which Is Better In 2025?

Hilton Honors American Express Breakdown

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Why We Like It

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Here’s a closer look at why we think the Hilton Honors American Express Card is a great choice for Hilton loyalists.

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• This card offers valuable rewards on Hilton stays, U.S. restaurants, U.S. supermarkets, and U.S. gas stations with no annual fee and no foreign transaction fees (See Rates & Fees).
• Cardholders automatically receive Hilton Honors Silver status, which unlocks benefits like a 20% bonus on points earned from stays and a fifth night free on award stays.
• Since there is no annual fee to offset, cardholders begin to see positive value from the very first point earned or benefit used (publisher-formulated estimate).

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Pros

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• Enjoy the card’s benefits and earn rewards without paying an annual fee, making it a cost-effective way to build your Hilton Honors points balance.
• Receive automatic Hilton Honors Silver status, which provides valuable perks like the fifth night free on standard room award stays. Terms apply.
• Earn points on everyday spending at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and use the card abroad without incurring foreign transaction fees.

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Cons

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• Cardholders miss out on luxury perks like free night rewards and resort credits that are available with higher-tier Hilton cards.
• The value of Hilton Honors points is generally lower than points from competing hotel programs, and there are fewer airline transfer partners.
• It provides limited travel protections, lacking the robust insurance coverage found on more premium travel cards.

Hilton Honors American Express vs United Quest

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Categories

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Deciding which is better, United Quest or Hilton Honors, depends entirely on your travel habits and loyalty preferences. One card is built for frequent flyers with a specific airline, while the other caters to hotel guests.

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• United Quest℠ Card: This card is designed for frequent travelers who regularly fly with United Airlines and want to maximize airline-specific perks and benefits.
• Hilton Honors American Express Card: Best for loyal Hilton guests, this card offers a way to earn hotel rewards and enjoy brand-specific status without an annual fee.

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Redemption

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United Quest℠ Card: Points earned are MileagePlus miles, which can be redeemed for flights on United and its partner airlines. You can also use your miles for seat upgrades, hotel stays, and other travel-related purchases.

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Hilton Honors American Express Card: The points you accumulate are best used for free night stays across Hilton's vast portfolio of hotels and resorts. Points can also be redeemed for on-property rewards or unique experiences.

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Travel Perks

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• United Quest℠ Card: This card operates within the Star Alliance airline network through United. It has no foreign transaction fees, making it a solid choice for international travel. While it doesn’t come with a lounge membership, cardholders can use the United MileagePlus portal to book award flights and more.
• Hilton Honors American Express Card: Tied to the Hilton portfolio, this card is best for domestic travelers as it does have foreign transaction fees. It doesn't include airport lounge access. All reward bookings are handled through the Hilton Honors platform. Terms apply.

_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Compare Top Rated Credit Cards with Kudos

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If you're still unsure, a tool like Kudos can help you compare thousands of cards using a data-driven approach to find the best fit for your spending.

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• Test drive credit cards: Simulate your potential earnings with any card using your actual spending data to see a personalized projection before you apply.
• Approval odds analysis: Receive a detailed analysis of your approval chances for new cards based on your credit report.
• Welcome offer guarantee: If you find a better welcome offer within three months of applying through Kudos, the platform will match it.
• Kudos Boost rewards: Earn extra rewards that stack on top of your credit card points when shopping at participating stores.
• Personalized recommendations: Get card suggestions based on your spending history to maximize your rewards and track your perks.

Who Should Choose the United Quest?

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The United Quest℠ Card is tailor-made for loyal United Airlines customers who fly the airline several times a year. These travelers are looking to elevate their experience with premier benefits like free checked bags, priority boarding, and the potential for upgrades. It's also a strong choice for MileagePlus members who spend heavily on travel and dining, as the card helps them earn status faster while providing comprehensive travel protections.

Who Should Choose the Hilton Honors American Express?

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The Hilton Honors American Express Card is an excellent choice for budget-conscious travelers who stay at Hilton properties occasionally but don't want to commit to an annual fee. It's particularly beneficial for those who can maximize the 5X points on everyday spending at U.S. restaurants, supermarkets, and gas stations. This card also serves as a great tool for individuals with good, but not necessarily excellent, credit who want to build their credit history while earning travel rewards, as detailed in our full review.

Alternatives to Consider

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If our United Quest vs Hilton Honors comparison has you feeling like neither card is the perfect match, don't worry. There are plenty of other travel rewards cards that might be a better fit for your wallet and travel style.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

Tips for Application Success

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Before You Apply

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• Check your credit score: Most premium travel cards require a good to excellent credit history.
• Plan your spending: Make sure you can comfortably meet the minimum spend for the welcome offer without overspending.
• Research the rewards: Understand how you will use the card’s points or miles to maximize their value.

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Application Strategy

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• Know the issuer’s rules: Be aware of any application restrictions that could affect your approval.
• Leverage existing relationships: A positive history with a bank may improve your approval odds for their cards.
• Align with your loyalty: Prioritize co-branded cards for airlines or hotels you already frequent to maximize value.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Can I transfer points between my United MileagePlus and Hilton Honors accounts?

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No, you cannot directly transfer rewards between United MileagePlus and Hilton Honors. They are separate loyalty programs with their own distinct airline and hotel partners.

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What kind of elite status benefits do United and Hilton offer?

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Both programs feature tiered elite status that provides valuable perks like complimentary upgrades, bonus point earnings, and priority services. The specific benefits you receive depend on your status level within each respective program.

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Are there annual fees for the United Quest card and Hilton Honors cards?

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The United Quest℠ Card comes with an annual fee. Hilton offers a portfolio of co-branded American Express cards that have a range of annual fees, including some options with no annual fee.

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