Renowned Hotels and Resorts Credit$200 / Cardmember Year face
$/yr
Rideshare Credit$12 / Monthly face
$/yr
Instacart Credits$20 / Monthly face
$/yr
FareLock Credit$50 / Cardmember Year face
$/yr
JSX Credit$200 / Cardmember Year face
$/yr
Global Entry / TSA PreCheck Credit$120 / Every 4 Years face
$/yr
Credits subtotal$778/yr
Additional benefitsWhat are these worth to you? We will not guess, because a lounge is worth a lot to someone who flies weekly and nothing to someone who does not.
LOUNGE ACCESS
United Club Membership
$/yr
YOUR VERDICT
Credits at your values$778
Annual fee−$695
You come out ahead by$83
112% RETURN ON THE FEE
HOW YOU GOT HEREEverything set to 90% of face, 1 perk still unpriced, so this is a floor.