chase united credit card refresh

Chase Revamps Entire United Credit Card Lineup

Chase has just revamped the entire lineup of United co-branded credit cards in a pretty significant way. 

Annual fees are going up across the board and a variety of new benefits and statement credit offers are being added to offset the annual fee increase. It’s not been that long since Amex took a chainsaw to its Delta lineup of credit cards in a similar fashion.

Chase / United Limited Time Bonus Offers

Chase is also softening the blow with some nicely elevated welcome bonus offers, effective today through May 7th, 2025.

  • United℠ Explorer Card – Earn 80,000 United MileagePlus Miles, after spending $3,000 on qualifying purchases in the first three months of opening an account, with
    annual fee waived for the first 12 months from approval.
  • United Quest℠ Card– Earn 90,000 United MileagePlus Miles and 500 PQP, after spending $4,000 on qualifying purchases in the first three months of opening an account.
  • United Club℠ Card– Earn 95,000 United MileagePlus Miles, after spending $5,000 on qualifying purchases in the first three months of opening an account.
  • United℠ Business Card– Earn 125,000 United MileagePlus Miles, after spending $5,000 on qualifying purchases in the first three months of opening an account.
  • United℠ Club Business Card – Earn 125,000 United MileagePlus Miles, after spending $5,000 on qualifying purchases in the first three months of opening an account.
  • United Gateway℠ Card – Earn 30,000 United MileagePlus Miles, after spending $1,000 on qualifying purchases in the first three months of opening an account, with 0% APR for the first 12 months.

United Credit Cards are Seeing Annual Fee Increases Across the Board

Well, except for the no-annual fee Gateway Card which is still free of an annual fee.

Here are the new annual fees:

There’s no way to sugarcoat the size of these increases. The base cards (Explorer and Business) go to $150 from $95 and $99, respectively – just over a 50% increase. The Quest is up 40%. The Club cards have the lowest percentage increase but still pop eyes at $695 each.

We’ll have to look at the new benefits to see how well they offset the annual fees, so let’s jump into that.

New Benefits and Statement Credits on Chase United Credit Cards

United℠ Explorer Card

  • Earn a 10,000-mile award flight discount each year – Earn a 10,000-mile award flight discount after spending $20,000 on purchases each calendar year with your United℠ Explorer Card.
  • $100 United® travel credit – Earn $100 in United® TravelBank cash after you spend $10,000 on purchases each calendar year with your United℠ Explorer Card. You can use United TravelBank cash toward future flights on United® or United Express®
  • 5x total miles on hotel stays purchased through United® Hotels -2 miles per $1 spent as a MileagePlus® member, 2 miles per $1 spent with your card, plus an additional 1 mile per $1 spent from United when you prepay through United Hotels.
  • Up to $100 in United® Hotels credits – Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your UnitedSM Explorer Card, up to $100 each anniversary year.
  • Up to $60 in credits on rideshare purchases – Enroll to receive up to $5 back as a statement credit each month on rideshare purchases when you pay with your United℠ Explorer Card, up to $60 each calendar year. Yearly opt-in is required.
  • Up to $50 in United travel credits on Avis or Budget purchases – Receive $25 in United® TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United℠ Explorer Card.
  • Up to $100 in credits on JSX purchases annually – Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United℠ Explorer Card. JSX is a hop-on jet service that offers a semi- private flying experience at commercial fares. To learn more, visit united.com/JSX.
  • 3-Month Complimentary Instacart+ Membership – Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you’re automatically enrolled in Instacart+ at 25% off the annual rate. Service fees and Terms apply. Benefits end 12/31/27.
  • Up to $120 in Instacart credits – Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your UnitedSM Explorer Card. Terms apply. Benefits end 12/31/27.

United Quest℠ Card

  • Earn 5x miles on hotel stays at Renowned Hotels and Resorts for United® Cardmembers – Earn 5 miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Quest℠ Card.
  • $200 annual United travel credit – Automatically receive $200 in United® TravelBank cash after account opening and annually on your account anniversary, for a future United®- or United Express®-operated flight.
  • Annual 10,000-mile award flight discount – Starting with your first anniversary and every anniversary thereafter, you’ll get a 10,000-mile discount to use toward an eligible award flight.
  • Earn a 10,000-mile award flight discount each year – Earn a 10,000-mile award flight discount after spending $20,000 on purchases each calendar year with your United Quest℠ Card.
  • Earn 2 global Economy Plus® seat upgrades – Enjoy extra leg room on your next United- or United Express®- operated flight: Earn 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year with your United Quest℠ Card.
  • Up to $150 in credits for Renowned Hotels and Resorts for United® Cardmembers – Receive up to $150 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Quest℠ Card.
  • Up to $100 in credits on rideshare purchases annually – Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with your United QuestSM Card: $8 back as a statement credit each month from January through November and up to $12 back for the month of December. Yearly opt-in is required.
  • Up to $80 in United travel credits on Avis or Budget purchases – Receive $40 in United® TravelBank cash, up to $80 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United Quest℠ Card.
  • Up to $150 in credits on JSX purchases annually – Get up to $150 back as a statement credit each anniversary year when you book flights directly with JSX using your United Quest℠ Card. JSX is a hop-on jet service that offers a semi- private flying experience at commercial fares. To learn more, visit united.com/JSX.
  • 1,000 Card Bonus PQP each qualification year, starting in 2026 – Get a jump start on earning Premier status with 1,000 Card Bonus Premier qualifying points (PQP) each year. PQP can be applied toward your Premier® status qualification, up to and including the Premier 1K® level. Your Card Bonus PQP will be applied to your MileagePlus account within 6 to 8 weeks after February 1 each year, starting in 2026. Your Quest Card must be open as of December 31 of the prior year and must
    be open when PQP are applied.
  • Earn up to 18,000 Premier® qualifying points (PQP) – You’ll earn 1 PQP for every $20 you spend on purchases with your Quest℠ Card, up to 18,000 PQP in a calendar year. This can be applied toward your Premier® status qualification.
  • 3-Month Complimentary Instacart+ Membership – Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you’re automatically enrolled in Instacart+ at 50% off the annual rate. Service fees and Terms apply. Benefits end 12/31/27.
  • Up to $180 in Instacart credits – Receive one $10 Instacart credit and one $5 Instacart credit monthly, up to $180 total each calendar year, for purchases made directly through Instacart with your United QuestSM Card. Terms apply. Benefits end 12/31/27.

United Club℠ Card

  • Earn 5x miles on hotel stays at Renowned Hotels and Resorts for United® Cardmembers – Earn 5 miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Card.
  • United Club℠ membership – Primary Cardmembers receive a value of at least $750, including additional guest privileges with their United Club Membership. Primary Cardmembers and their eligible travel companions, including 1 adult guest and dependent children, will enjoy access to 45+ United Club locations worldwide. For an updated status on United Club locations, any temporary closures, guest policies, and to learn more about the United Club memberships available, please visit united.com/UnitedClub.
  • United Club℠ All Access membership* – Unlock All Access membership as a Cardmember after reaching Premier Gold status or by spending $50,000 on purchases each calendar year with your United Club℠ Card. In addition to your membership benefits, you will have: Total of 2 adult guests or 1 adult guest plus your dependent children under the age of 18 will have access to all United Club locations + Access to participating Star AllianceTM member affiliated lounges for you and your eligible travel companions. Four one-time Club passes for your authorized users each year.
  • Earn 4 United Club one-time passes with United Club℠ All Access Membership
    and an authorized user – Cardmembers with United Club All Access Membership and an authorized user on their account, will earn 4 United Club one-time passes annually on their account anniversary. (Over a $200 value per year.) Receive United Club All Access Membership after spending $50,000 in a calendar year or earning Premier Gold status or higher. Each pass grants one person one-time access to a United Club location, so long as the primary Cardmember or an authorized user is
    also admitted. Please allow 3 weeks from the date an authorized user is added before the authorized user redeems a one-time pass without the primary Cardmember present. For an updated list of United Club locations and any temporary closures, please visit united.com.
  • Earn up to 20,000-miles in award flight discounts each year – Earn a 10,000-mile discount after spending $20,000 each calendar year with your United Club℠ Card — up to two times per calendar year.
  • Up to $200 in credits for Renowned Hotels and Resorts for United® Cardmembers – Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Club℠ Card.
  • Up to $150 in credits on rideshare purchases – Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club℠ Card: $12 back as a statement credit each month from January through November, and up to $18 back for the month of December. Yearly opt-in is required.
  • Up to $100 in United travel credits on Avis or Budget car purchases – Receive $50 in United® TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United Club℠ Card.
  • Up to $200 in credits on JSX purchases annually – Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United ClubSM Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSX.
  • 1,500 Card Bonus PQP each qualification year, starting in 2026 – Get a jump start on earning Premier status with 1,500 Card Bonus Premier qualifying points (PQP) each year. PQP can be applied toward your Premier® status qualification, up to and including the Premier 1K® level. Your Card Bonus PQP will be applied to your MileagePlus account within 6 to 8 weeks after February 1 each year, starting in 2026. Your Club Card must be open as of December 31 of the prior year and must
    be open when PQP are applied.
  • Earn up to 28,000 Premier® qualifying points (PQP) – You’ll earn 1 PQP for every $15 you spend on purchases with your Club℠ Card, up to 28,000 PQP in a calendar year. This can be applied toward your Premier® status qualification, up to and including the Premier 1K® level.
  • Complimentary Instacart+ Membership – Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
  • Up to $240 in Instacart Credits – Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart when you pay with your United Club℠ Card. Terms apply. Benefits end 12/31/27.

United℠ Business Card

  • $125 United travel credit – Receive $125 in United® TravelBank cash after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
  • Earn 2 continental U.S. Economy Plus® seat upgrades – Enjoy extra legroom on your next United®- or United Express®-operated flight: Earn 2 continental U.S.
  • Economy Plus seat upgrades after spending $25,000 on purchases each calendar year with your United℠ Business Card.
  • Up to $25 in credits on United FareLock purchases – Earn up to $25 back as a statement credit each anniversary year after you buy FareLock with your United℠ Business Card on a United- or United Express®- operated flight. Use FareLock to hold a seat on your flight for a set price for 3, 7, or 14 days and your ticket price won’t go up during the hold period. To learn more about FareLock, visit united.com/FareLock.
  • 5x total miles on hotel stays purchased through United® Hotels – 2 miles per $1 spent as a MileagePlus® member, 2 miles per $1 spent with your card, plus an additional 1 mile per $1 spent from United when you prepay through United Hotels.
  • Up to $100 in United® Hotels credits – Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your UnitedSM Business Card, up to $100 each anniversary year.
  • Up to $100 in credits on rideshare purchases – Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with your UnitedSM Business Card: $8 back as a statement credit each month from January through November and up to $12 back for the month of December. Yearly opt-in is required.
  • Up to $50 in United travel credits on Avis or Budget car purchases – Receive $25 in United® TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United℠ Business Card.
  • Up to $100 in credits on JSX purchases annually – Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United℠ Business Card. JSX is a hop-on jet service that offers a semi- private flying experience at commercial fares. To learn more, visit united.com/JSX.
  • Earn up to 4,000 Premier® qualifying points (PQP) – You’ll earn 1 PQP for every $20 you spend on purchases with your Business Card, up to 4,000 PQP in a calendar year. This can be applied toward your Premier® status qualification.
  • 3-Month Complimentary Instacart+ Membership – Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you’re automatically enrolled in Instacart+ at 25% off the annual rate. Service fees and Terms apply. Benefits end 12/31/27.
  • Up to $120 in Instacart credits – Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United℠ Business Card. Terms apply. Benefits end 12/31/27

United℠ Club Business Card

  • Earn 5x miles on hotel stays at Renowned Hotels and Resorts for United® Cardmembers – Earn 5 miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Business Card.
  • United Club℠ membership – Primary Cardmembers receive a value of at least $750, including additional guest privileges with their United Club Membership. Primary Cardmembers and their eligible travel companions, including 1 adult guest and dependent children, will enjoy access to 45+ United Club locations worldwide. For an updated status on United Club locations, any temporary closures, guest policies, and to learn more about the United Club memberships available, please visit united.com/UnitedClub.
  • United Club℠ All Access membership* – Unlock All Access membership as a Cardmember after reaching Premier Gold status or by spending $50,000 on purchases each calendar year with your United ClubSM Business Card. In addition to your membership benefits, you will have: Total of 2 adult guests or 1 adult guest plus your dependent children under the age of 18 will have access to all United Club locations. Access to participating Star Alliance™ member affiliated lounges for you and your eligible travel companions. Four one-time Club passes for your employee cards each year.
  • Earn 4 United Club one-time passes with United Club℠ All Access Membership and an employee card – Cardmembers with United Club All Access Membership and an employee card on their account, will earn 4 United Club one-time passes annually on their account anniversary. (Over a $200 value per year.) Receive United Club All Access Membership after spending $50,000 in a calendar year or earning Premier Gold status or higher. Each pass grants one person one-time access to a United Club location, so long as the primary Cardmember or an employee is also admitted. Please allow 3 weeks from the date an employee card is added before the employee redeems a one-time pass without the primary Cardmember present. For an updated list of United Club locations and any temporary closures, please visit united.com.
  • Earn 2 global Economy Plus® seat upgrades – Enjoy extra leg room on your next United- or United Express®- operated flight: Earn 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year with your United Club℠ Business Card.
  • Earn 2 global Economy Plus® seat upgrades – Enjoy extra leg room on your next United- or United Express®- operated flight: Earn 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year with your United Club℠ Business Card.
  • Up to $50 in credits on United FareLock purchases – Earn up to $50 back as a statement credit each anniversary year after you buy FareLock with your United Club℠ Business Card on a United- or United Express®- operated flight. Use FareLock to hold a seat on your flight for a set price for 3, 7, or 14 days and your ticket price won’t go up during the hold period. To learn more about FareLock, visit united.com/FareLock.
  • Up to $200 in credits for Renowned Hotels and Resorts for United® Cardmembers – Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Club℠ Business Card.
  • Up to $150 in credits on rideshare purchases – Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club℠ Business Card: $12 back as a statement credit each month from January through November, and up to $18 back for the month of December. Yearly opt-in is required.
  • Up to $100 in United travel credits on Avis or Budget car purchases – Receive $50 in United® TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rentals booked directly through cars.united.com and paid for with your United Club℠ Business Card.
  • Up to $200 in credits on JSX purchases annually – Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United ClubSM Business Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSX.
  • Earn up to 28,000 Premier® qualifying points (PQP) – You’ll earn 1 PQP for every $15 you spend on purchases with your Club℠ Business Card, up to 28,000 PQP in a calendar year. This can be applied toward your Premier® status qualification, up to and including the Premier 1K® level.
  • Complimentary Instacart+ Membership – Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
  • Up to $240 in Instacart Credits – Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with your United ClubSM Business Card. Terms apply. Benefits end 12/31/27.

United Gateway℠ Card

  • Earn 2 checked bags – Earn two checked bags on United®- or United Express®-operated flights after spending $10,000 in a calendar year with your United GatewaySM Card.
  • Cardmember award pricing after $10,000 in spend in a calendar year.

What Benefits Got Worse?

Very, very few, actually!

But since it won’t be too obvious to find, let me do that work for you.

The Gateway card used to give member award pricing. Now it will require $10,000 in spend within a calendar year to unlock. (At that rate, maybe just get the Explorer card, pay the $150, and have the pricing unlocked automatically?)
 
Explorer Card:
  • Premier upgrades on award tickets will no longer be available after August 1, 2025.
  • Previously, the United Club℠ one-time passes could be shared with others. Now, the cardmember or authorized user must be present when they’re redeemed.
Business Card:
  • Previously, the United Club℠ one-time passes could be shared with others. Now, the cardmember or authorized user must be present when they’re redeemed.

When Do the New Annual Fees Kick in?

If you’re applying today forward, everything will already apply – both the new annual fee and all the benefits.

If you are en existing cardmember, you also get the new benefits as of today, March 24, 2025, but you won’t pay the new annual fee until your first renewal date on or after August 1st, 2025.

Exception: For the Explorer card, you’ll pay the new annual fee with the next renewal you have that is on or after January 1, 2026. That’s quite a long time from now!

What is Renowned Hotels and Resorts for United®
Cardmembers?

Great question. I had to ask 😉

Here’s the official answer:

“Renowned Hotels and Resorts for United Cardmembers is a curated selection of world-class hotels and resorts, formerly known as the Luxury Resort and Hotel Collection. Booking through Chase with your eligible Chase United credit card (Quest, Club, Club Business, President Plus and President Plus Business) unlocks distinctive cardmember benefits. These benefits include daily breakfast for two, $100 property credit, a room upgrade at check-in (if available), early check-in and late check-out (if available) and complimentary Wi-Fi. The $100 property credit may be used toward dining, spa, or other activities at the property.”

It’s only currently available for the mentioned United co-brand cards and is obviously a bit like Amex’s FHR program, however I’m told that these bookings are considered third party and won’t be eligible for the hotel’s loyalty program elite benefits or points.

Are the Changes Good? Bad? Break it Down!

I have to say, I’m VERY impressed with this revamp. Nobody likes to see annual fee increases, but they are a fact of life as is inflation. It’s just instead of going up a few bucks at a time, issuers tend to wait many years and then raise the fee somewhat significantly. The old annual fees have been in place for a LONG time.

Now, there’s a TON of new or improved benefits in each card and this would be a 20,000 word article if I tried to dissect each and every one. 

That said, of course I’m going to give some opinions! Keep in mind that I find it pretty easy to use a rideshare credit at least 1-2x a month so my opinions are based on that. Some of you may find other perks more interesting. For example I don’t use Instacart but many do – so you might not want the rideshare credits but then you value the Instacart credits instead.

With the Explorer card, you are seeing a $55 fee increase. In exchange, you get $5 a month in rideshare credits (so that alone would make you back the annual fee increase + $5), you can earn more PQPs annually, you have the $100 United travel credit if you spend $10,000 a year on the card (hopefully that is on United flights! Remember you have more flexibility earning on a Chase Sapphire card all things being equal…), and the 10,000 mile award flight discount if you spend $20,000. Then you have the United Hotels credit, and the Avis/Budget/JSX, and Instacart credits.

If it were me with the card, I’d probably only “value” the rideshare credits but I’d use them and cover that extra annual fee. I’d also consider a JSX flight if the price were right and I have occasionally seen well priced JSX flights. 

With the Quest card, that extra $100 in annual fee gets you $200 in United travel credit after each renewal and $100 in rideshare credits – which is instant offset of the higher fee.

You also get a jump start 1,000 PQPs annually starting in 2026 (valuable!), the ability to earn up to 18,000 PQP from spend annually (Premier Platinum if on spend alone), the $150 to use on Renowned Hotels stays, and the Avis/Budget/JSX/Instacart credits.

On a yearly basis, with the $200 United travel credit, you are essentially getting a net effective LOWER annual fee of $150 compared to $250 flat before. 

With the Business Card, you are paying $51 more and getting $100 in rideshare statement credits. Then you can grab $100 in statement credits for booking a hotel night via United Hotels, use the $25 statement credit on a FareLock, and potentially use the Budget/Avis, JSX, and up to $120 in Instacart credits. 

With the United Club Card, the extra $170 in annual fees are going to be tough for many to swallow, however, it remains the cheapest way to get a United Club membership (cheaper than buying one outright). A few standout additional benefits for the extra annual fee include up to $150 in rideshare credits, up to $240 in Instacart credits, and the $200 statement credit for a Renowned Hotels booking. It’s also huge for big spenders that you can spend all the way to Premier 1K with 28,000 PQPs just from the card. Likewise on the Club Business card.

Then there’s the $50 FareLock credit and the $200 JSX credit. So, there’s plenty there to rationalize the increase as being OK. And I mean that because if you have this card, you no doubt have it primarily for the United Club. The old annual fee was basically too good to last given the cost of the United Club itself and at least here Chase is piling on the extra credits plus that ability to spend your way to Premier 1K.

The Gateway Card is perhaps the one disappointment. Sure, it didn’t get an increased annual fee (it’s still $0!) but you can no longer downgrade to this card and keep your preferred award pricing – unless you spend $10,000 on the card first (which would also come with two checked bags). Come to think about it, that’s probably the point…

That said, if you frequently check TWO bags, the value prop changes since after that $10,000 in annual spend, you would get two checked bags vs. one with the Explorer Card ($150 annual fee). You could pay $10,000 of estimated tax for a $175 fee and get those two checked bags all year long. Thinking out loud there….

Bottom Line

Hey, nobody likes so see across-the-board annual fee increases. But, in my personal opinion, Chase and United is giving you much, much more for the increased annual fees than we saw from Amex in the Delta refresh. 

There is something for almost everyone in these updates that offsets or more than offsets the higher fees and if you accept that things go up in price all around you all the time without adding anything for that (inflationary) price increase, this isn’t such bad news after all.

Thoughts?

Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group. And don't forget to follow me on Instagram for all sorts of tips on miles, points, credit cards, and travel.

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You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards. 

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.

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2 COMMENTS

  1. Great job being first out the gate with all the info – you made my morning cuppa more delicious!
    My previous keeper combo was Business + Gateway for $99/yr to get 5000 bonus miles, 2x Lounge passes, Bags/Boarding & Expanded awards.
    UPDATED keeper combo is still Business + Gateway for $150/yr to get ALL the same things (bit restrictive Lounge passes tho) PLUS the coupons – which I am certain I’ll use more than $50 worth of Uber/Instacart. Net win, and hopefully we get *DATAPOINTS* on if these are considered “NEW” cards for welcome offer eligibility.

    • Thanks for the kind words! The cards do all seem to have 24 month language in them. I know the card names online are different, but I’m pretty sure they will be counting the previous versions. They didn’t even change card art.

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