So, the Quest Card brings $200 value with TB deposit, at least $100 value through the 10K Award discount, $100 rideshare value, and of course the value of miles your card earns over a year. However, I find no value with the Instacart benefit, the JSX credit, the Renowned Hotel $150 credit, the Avis / Budget up to $80 a year rebates, or the GE credit. Reasons: You have fees with Instacart that negate the $15 monthly savings. JSX is a charter service in very limited markets. The Renowned hotels are a subset of The Edit hotels and in most cases overpriced for what you get. When I checked the car rentals for my trip to Rapid City using the United site and AWD A791500 the Avis rentals cost three times Hertz rates. So, saving $40 is a joke. Finally, I have Amex Plat for GE credit. While all the United cards have similar benefits, I might downgrade to the Explorer card. I always used the Club passes. If I flew UA more I would upgrade to the Club card for lounge access.