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.

30-second take

  • 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
APR (Annual Percentage Rate) for Purchases17.99% to 24.99% variable
Introductory Purchase APR

N/A

Balance Transfer APR17.99% to 24.99% variable
Introductory Balance Transfer APR

N/A

Balance Transfer Fee$5 or 5% of the transaction, whichever is greater
Cash Advance Rate26.99% 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 in United TravelBank cash after you spend $1,000 on purchases in the first 3 months from account opening.
Reward Value per Dollar1.5% cash back

The basics

Among United-branded credit cards, the United℠ TravelBank Card is the simplest. It offers solid rewards that work for the whether you’re a frequent United flyer or you 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 spending $1,000 in purchases on your new card in 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 on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on Delta flights - that's a savings of up to $200 per round trip for a family of four.
  • Want even more flexibility? Pay with Miles is a card member feature that gives you the option to redeem miles for all or part of the price of your tickets on Delta.com.
  • Settle into your seat sooner with priority boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms apply.
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See Rates & Fees
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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.

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 Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
17.99% to 24.99% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
17.99% to 24.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$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
35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1x points
See Rates & Fees
$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 card 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, you may want to consider a general travel credit card.

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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