I am united silver, my wife has no status.

We both have IHG card, and I have the United business card.

if I understand it, if I want to use both of our $25 travel bank from the credit card on the same itinerary, we have to book separate tickets? In which case, she won’t get the limited benefits she would have from being on my reservation (upgrade to E+ at checkin, free bag checked).

am I correct? I guess the strategy needs to be two trips if I want to use both of the travel bank benefits and stay on the same itinerary.