United℠ TravelBank Credit Card review | finder.com

United℠ TravelBank Card review

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United℠ TravelBank Card

Save up rewards for United flights without paying an annual fee.

  • Get this card if you want solid rewards for no annual fee.
  • Pick something else if you want luxury travel perks.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameUnited℠ TravelBank Card
Card TypeVisa
Annual Fee$0
Purchase APR18.24% to 25.24% variable
Intro Purchase APR

N/A

Balance Transfer APR18.24% to 25.24% variable
Intro Balance Transfer APR

N/A

Balance Transfer Fee$5 or 5% of the transaction, whichever is greater
Cash Advance Rate27.24% variable
Foreign Transaction FeeNone
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 21 days
Late Payment FeeUp to $38
Returned Payment FeeUp to $38
Rates & FeesRates & Fees
Minimum Age18 years of age
Welcome Offer$150 after you spend $1,000 on purchases in the first 3 months
Rewards2% back on airline tickets purchased from United® and 1.5% on all other purchases
Base Rewards1.5% cash back

The basics

Among United-branded credit cards, the United℠ TravelBank Card is the simplest. It offers solid rewards that work whether you’re a frequent United flyer or just want to save up for an occasional flight. That said, it’s a no-frills card without much of the travel perks that other cards offer.

An alternative airline card

Gold Delta SkyMiles® Credit Card from American Express

  • Earn 30,000 bonus miles after you use your new card to make $1,000 in purchases within your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
  • Earn 2 miles for every dollar spent on eligible purchases made directly with Delta.
  • Earn one mile for every eligible dollar you spend on purchases.
  • Check your first bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four.
  • Settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms apply.
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The perks

  • Rewards: Up to 2% in TravelBank cash.
    Earn 2% in TravelBank cash on airline tickets you purchase from United. Earn 1.5% TravelBank cash on everything else.
  • Signup bonus: $150 in United TravelBank cash after you spend $1,000 on purchases within 3 months of your account opening.
    You’ll receive the TravelBank cash in your United TravelBank account, which you can view on the United website. Use TravelBank cash to book United flights. Every dollar in TravelBank Cash is worth $1 toward the purchase of a United-operated flight. For example, if your flight is $250 and you have $50 in TravelBank cash, you can reduce your fare to $200.
  • Earn 25% back on in-flight purchases.
    When you use your card to buy food, beverages or Wi-Fi on eligible United and United Express-operated flights, you’ll receive 25% of each purchase amount back in the form of statement credit.
  • Annual fee: None.

Our guide to the United MileagePlus program

You’ll also like …

  • No foreign transaction fees.
    You won’t incur fees when you use this card with merchants abroad or on foreign websites.
  • Travel coverage.
    Enjoy an auto rental collision damage waiver when you pay for your entire rental with your card and decline the agency’s insurance. Also, when you pay for your trip with your card, your itinerary may be covered by trip cancellation and trip interruption insurance.

What to watch out for

  • You might want more United features.
    Other United cards offer additional perks like free checked baggage and priority boarding.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual Fee
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & fees

Compare up to 4 providers

Bottom line

You can find high-value United perks with the other United cards that Chase offers. But this one fits the bill for a simple, no-frills credit card that earns United rewards.

For travel perks that can be redeemed with a variety of carriers, consider a general travel credit card.

Frequently asked questions

Disclaimer

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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