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Credit card rewards calculator

United Quest Card Miles Calculator

Enter your spending to see what the United Quest Card earns in United MileagePlus miles each year. Toggle the annual credits you would realistically use, model the two award flight discounts, factor in the $350 annual fee, and compare the result against the Explorer, Club Card or a Chase card.

Written By: Robert Flowers III

Last Updated: October 3, 2026

All information about Chase Bank Cards has been collected independently by The Point Calculator and has not been reviewed by the issuer.

The content on this page is accurate as of the posting date, as some of the offers may have expired.

Annual fee $350 annual fee

Foreign trans. fee None

Issuer Chase Bank

Limited Time Offer Up to 90,000 bonus miles + 500 PQPs

Calculate your United Quest Card rewards

What the United Quest Card calculator works out

This is an interactive calculator for the United Quest Card. It estimates how many United MileagePlus Miles the card earns from your own spending, what those miles are worth at a valuation you set, and what the card is worth across a year once benefits and the annual fee are accounted for. The figures below are the card's published rates; enter your spending to replace them with your own numbers.

United Quest Card earning rates

The calculator applies these rates to the spending you enter, dropping to the lower rate automatically once a cap is reached.

Spending category	Rate	Cap
Renowned Hotels and Resorts	5X	No cap
United Airlines	4X	No cap
Travel (General)	2X	No cap
Restaurant / Dining	2X	No cap
Streaming Services	2X	No cap
Everything Else	1X	No cap

Example: United Quest Card earnings on Renowned Hotels and Resorts

Putting $1,000 a month into Renowned Hotels and Resorts ($12,000 a year) with the United Quest Card earns about 60,000 United MileagePlus Miles a year. At a baseline of 1.30¢ per mile, that's about $780 in value, against $350 in annual fee. You can set your own value per mile in the calculator. Change the spending figures to work this out for your own budget across every category at once.

Credits and benefits you can adjust

Benefits are worth different amounts to different people, so the calculator lets you set your own value for each of these rather than assuming one:

Two Free Checked Bags — enter your own value. You and one companion on the same reservation each receive your first and second checked bags free on United-operated flights.
$200 United Travel Credit — enter your own value. Get a $200 United travel credit after account opening and on each account anniversary.
$180 Instacart Credits — enter your own value. Receive up to $180 Instacart credits each calendar year for purchases made directly though Instacart using your card.
$150 Renowned Hotels credit — counted automatically. Receive up to $150 in credits annually on prepaid hotel stays purchases directly through Renowned Hotels and Resorts with your card.
$150 JSX Credits — counted automatically. Receive up to $150 in credits annually on flights purchased directly through JSX with your card.
Global Entry, TSA PreCheck® or NEXUS Fee Credit — enter your own value. Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.
$100 Rideshare Credit — counted automatically. Receive up to $100 in credits each calendar year on rideshare purchases when paying with your United Quest Card.
$80 United Travel Credits — enter your own value. Receive up to $80 in United travel credits annually when you book Avis or Budget car rentals directly through cars.united.com and pay with your card.
Anniversary 10,000-mile award discount — included by default, and can be excluded. A 10,000-mile discount posts to your MileagePlus account within four weeks of each card anniversary, applicable to United and United Express award travel.
Second 10,000-mile award discount on spend — included by default, and can be excluded. Spend $20,000 on purchases in a calendar year and you earn an additional 10,000-mile award flight discount, separate from the anniversary one.
2 Economy Plus upgrades — enter your own value. Spend $40,000 on purchases in a calendar year and you'll earn 2 credits to upgrade an Economy seat to Economy Plus on eligible United or United Express flights.

How the United Quest Card result is calculated

Net annual value = (United MileagePlus Miles earned from your spending × your value per mile) + the value you assign to the card's credits and benefits − the $350 annual fee.

United MileagePlus Miles start at a baseline of 1.30¢ each. That figure is a starting point, not a fixed rate — the calculator lets you replace it with your own.

Every input is adjustable: spending per category, the value of a single mile, what each credit or benefit is worth to you, and whether to count the intro bonus. Up to 10 cards or multi-card wallets can be compared side by side, and each card can be set to earn a different rewards currency, including any of the 1 program United MileagePlus Miles transfer to — so a card can be valued at what its miles are worth after a transfer rather than at the baseline rate.

How This Credit Card Rewards Calculator Works

This tool uses a Net Value framework to estimate what you earn minus the costs of holding the card, based on your inputs.

The formula: Net Value = ((Rewards Earned from Spend × Value per miles) + Perk Value) − (Annual Fee + Foreign Transaction Fees)
If you include intro bonuses in the calculator, they're added to annual value using the same miles valuation you set.
Total customization: Baseline estimates may pre-fill for convenience, but you can override values (valuations, spend, perks, and fees) to match your strategy.
Perk valuation: Benefits may default to full, partial, or zero value depending on how easy they are to use. You should adjust each perk to a "utilization value" based on what you realistically save.
Transfer modeling: For transferable rewards, conversions are modeled using standard ratios for your region. You can adjust ratios to reflect transfer bonuses or recent changes.
Verified rates: Default earning multipliers and fees are based on current issuer/program terms, then your calculator inputs determine the final result.

Full breakdown: For data sources and deeper math, see our Full Rewards Methodology.

Frequently asked questions

How does the calculator handle the 10X United earning rate?

It calculates the card's own earning at 4 miles per dollar on United purchases. The 10X United advertises includes 6 miles per dollar of MileagePlus base earning you receive regardless of how you pay, so counting it would overstate what the card contributes.

Why does my total change so much when I toggle credits?

The Quest carries over $850 in partner credits, but only the $200 travel credit posts automatically. The Renowned Hotels, Instacart, rideshare, Avis or Budget and JSX credits all require spending in specific places, and JSX in particular is unusable for most people. Turning off the ones you won't touch is the difference between a marketing number and your number.

Can I compare the Quest against the United Explorer here?

Yes, and it's the comparison most people need. Add the Explorer in a second column to run identical spending through both earning structures with both fee levels applied, then adjust each card's credits to what you'd actually use.

Does the calculator include the award flight discounts?

The anniversary 10,000-mile discount and the second one earned at $20,000 of annual spend can both be valued in the calculator. At the default 1.3 cents per mile, two discounts are worth roughly $260 a year.

What mile value does the calculator use?

1.3 cents per United mile by default, our average valuation, and you can change it. Keep in mind cardmember award pricing takes at least 10% off United award flights, so your effective value on United-operated awards is realistically higher than the default.