Chase United Club Infinite

Two $10 credits per month while an Instacart+ membership is active - activate at instacart.com/p/chase-united by 12/31/27. Each credit requires one order of $10 or more at a SINGLE retailer; limit one credit per order. Credits do NOT roll over into the following month. Excludes taxes, service and delivery fees, tips and restaurant orders powered by Uber Eats. The complimentary Instacart+ term auto-bills $99 a year at the then-current rate unless cancelled. Delivered as in-app Instacart credit, not a statement credit.

Prepaid bookings

$12/mo Jan-Nov, $18 Dec; enrollment required

One statement credit up to $120 every four years, for Global Entry OR TSA PreCheck OR NEXUS - whichever program fee is charged to the card first. The terms state the four-year period without naming a start anchor, so the anchor is left unverified rather than guessed. Purchases through third parties such as travel agencies or application assistance services are not eligible.

Priority check-in, security screening, boarding and baggage handling. Primary cardmember plus companions on the SAME reservation; authorized users qualify only when on that reservation. The MileagePlus number must be in the reservation. United and United Express operated flights only; codeshare partner flights are excluded. Allow 2 weeks after account opening. Per reservation, not a periodic allowance, so no reset anchor is asserted.

Primary cardmember plus one traveling companion on the SAME reservation; authorized users qualify only when on that reservation. The ticket must be purchased with this card - waived for flights completed in the first 90 days after account open - and the MileagePlus number must be in the reservation. United and United Express operated flights only; codeshare partner flights are excluded. Cardmembers already exempt from checked baggage charges receive no additional free bags. Per reservation, not a periodic allowance, so no reset anchor is asserted.

Unlocked by exceeding $50,000 in net purchases in a calendar year OR by holding Premier Gold status or higher. Adds Star Alliance lounge access and a second adult guest (two adults, or one adult plus dependent children under 18). VALIDITY IS STATED INCONSISTENTLY IN THE ISSUER TERMS: one paragraph says the remainder of the calendar year plus the following calendar year, another says the remainder of the calendar year plus the end of the next United program year. Those are not the same object - re-verify before modelling the second-year tail. Purchases made on a different United card before an upgrade do not count toward the threshold.

Primary cardmember only - authorized users receive no membership of their own and get access only when accompanying the primary as an eligible guest. Allows one adult guest plus dependent children under 18 per visit. A same-day boarding pass on a United, Star Alliance or contracted partner operated flight is required for entry, at the departure or arrival airport only (airline terms, not issuer terms). Does NOT cover United Polaris or United Arrivals lounges, and does NOT include Star Alliance lounges on the base membership. Renews automatically on each credit card anniversary date; cancelled on account closure. Allow 2 weeks after account open for activation.

25% back as a statement credit on food, beverage and Wi-Fi purchases on board United and United Express operated flights, on Wi-Fi subscriptions, and on premium drink purchases at United Clubs. Authorized-user purchases on the account also qualify. NO CAP IS PUBLISHED anywhere in the terms - an uncapped percentage credit is unusual and is flagged for re-verification. Posts within 24 hours of the onboard purchase posting, unlike every other credit on this card, which takes 6 to 8 weeks. Value 0 because the benefit is a percentage with no stated ceiling, not a fixed amount.

1,500 Card Bonus Premier Qualifying Points, posted within 6 to 8 weeks after February 1 each year. No spend required. The account must be open as of December 31 of the prior year and open and not in default at fulfillment. These PQP do NOT count toward the 28,000 PQP calendar-year cap earned from spend. United reserves the right to remove them if the account is closed or downgraded during the qualification year. Paid in PQP, not dollars.

1 Premier Qualifying Point per $15 in net purchases, including authorized-user purchases, up to 28,000 PQP within the calendar year. Applies toward Premier status tiers up to and including Premier 1K. NEITHER THE RATE NOR THE CAP IS FIXED: the terms say PQP earn rate, annual cap and qualification requirements may vary by MileagePlus program year and card type, and that United calculates them at its discretion. Allow 6 to 8 weeks after qualifying purchases to post. Paid in PQP, not dollars.

DOUBLE-CONDITIONAL: four passes are deposited after each cardmember anniversary only if the primary cardmember has United Club All Access membership AND an authorized user at the time of anniversary. No All Access - meaning under $50,000 spend and below Premier Gold - means no passes regardless of the authorized user. Allow 4 weeks to post, and 3 weeks from adding an authorized user before that user may redeem a pass without the primary present. The airline limits each pass to the three hours immediately prior to scheduled departure, and excludes Polaris, Arrivals, Partner and Club Fly locations (airline terms, not issuer terms).

REGISTRATION REQUIRED: the primary cardmember must register at united.com/ihgstatus. Allow 4 weeks for IHG to process. Status is held only while the credit card account remains open and the IHG One Rewards membership remains in good standing. Primary cardmember only. No dollar value is stated in the terms.

ENROLLMENT REQUIRED: the primary cardmember must enroll at united.com/AvisChaseBenefit. Allow up to 7 business days after enrolling. Once enrolled, the Avis Preferred number must be included in each Avis reservation or the benefits do not apply. Primary cardmember only. No dollar value is stated in the terms.

TWO DIFFERENTLY-SCOPED DISCOUNTS the card page collapses into one line. First: eligible primary cardmembers book United and United Express awards for at least 10% fewer miles, or at least 15% with MileagePlus Premier status. Second, and separate: a 10% Saver Award Discount valid ONLY on Economy Saver Awards in fare classes X and XN, for travel within the continental United States or between the continental US and Canada, applying to all passengers on the primary cardmember reservation. Whether these stack is not stated - re-verify. Excludes Money + Miles tickets, cash tickets and other redemption products. Allow up to 5 weeks to activate after the card is issued.