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 Name | United℠ TravelBank Card |
|---|---|
| Card Type | Visa |
| Annual Fee | $0 |
| APR (Annual Percentage Rate) for Purchases | 18.24% to 25.24% variable |
| Introductory Purchase APR | N/A |
| Balance Transfer APR | 18.24% to 25.24% variable |
| Introductory Balance Transfer APR | N/A |
| Balance Transfer Fee | $5 or 5% of the transaction, whichever is greater |
| Cash Advance Rate | 27.24% variable |
| Foreign Transaction Fee | None |
| Cash Advance Fee | $10 or 5% of the cash advance amount, whichever is greater |
| Interest Free Period | Up to 21 days |
| Late Payment Fee | Up to $38 |
| Returned Payment Fee | Up to $38 |
| Rates & Fees | Rates & Fees |
| Minimum Age | 18 years of age |
|---|
| Welcome Offer | $150 after you spend $1,000 on purchases in the first 3 months |
|---|---|
| Rewards | 2% back on airline tickets purchased from United® and 1.5% on all other purchases |
| Base Rewards | 1.5% 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
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
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.
