Card Comparison
Atmos Rewards Summit vs United Quest
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$395/yr
$350/yr
Foreign Fees
None
None
Signup Bonus
100,000 points
Spend $6,000 in 3 months
70,000 points
Spend $4,000 in 3 months
Top Earn Rates
- dining, foreign transaction, Alaska Airlines and Hawaiian Airlines 3x
- All Other Purchases 1x
- Prepaid Hotel Stays (Renowned Hotels) 5x
- United Flights 3x
- Other Travel 2x
Reward Type
miles
miles
Key Credits
- Annual Travel Credit $200
- United Travel Credit $200
- Statement Credit $150
- Statement Credit $100
- +3 more
Card Perks
- Free checked bag (~$70/yr)
- 8 Alaska Lounge Passes (~$520/yr)
- TSA PreCheck® or Global Entry (~$118/yr)
- +2 more
- Free First and Second Checked Bags
- Priority Boarding
- 25% Back on United Inflight Purchases
- +1 more
Spend Milestones
- 100,000-point Global Companion AwardAfter $60,000 spend
No milestones
Transfer Partners
No transfer partners
No transfer partners
Common Questions: Atmos Rewards Summit vs United Quest
Is the Atmos Rewards Summit or United Quest better for dining?
Atmos Rewards Summit earns 3x on dining; United Quest earns 2x on dining. Atmos Rewards Summit wins for dining.
Which has the higher signup bonus in 2026?
Atmos Rewards Summit currently offers 100,000 pts signup bonus (spend $6,000 in 3 months). United Quest offers 70,000 pts signup bonus (spend $4,000 in 3 months). Atmos Rewards Summit has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Atmos Rewards Summit and the United Quest?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Atmos Rewards Summit is from Bank of America and United Quest is from Chase, so they're governed by separate bank policies.