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United℠ TravelBank Card review

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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.

$150

Welcome offer

Up to 2%

Cash back

$0

Annual fee

17.49% to 24.49%

Purchase APR (variable)

Details

Product NameUnited℠ TravelBank Card
Card typeVisa
Annual fee$0
Purchase APR17.49% to 24.49% variable
Balance transfer APR17.49% to 24.49% variable
Balance transfer fee$5 or 5% of the transaction, whichever is greater
Balance transfer fee descriptionEither $$5 or 5%% of the amount of each transfer, whichever is greater.
Cash advance rate26.49% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 21 days
Late payment feeUp to $38
Returned payment feeUp to $38
Rates & feesrates & fees

Expert review

Kevin Joey Chen

Review by


Kevin Joey Chen is a credit cards, banking and investments writer who has written nearly 500 Finder articles. He's passionate about helping you get your finances in order and expertly navigate the cutting-edge financial tools available -- including credit cards, apps and budgeting software.

Expert review

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 on every eligible 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 $240 for a family of 4 roundtrip.
  • Receive Main Cabin 1 Priority Boarding on Delta flights, stow your carry-on bag and settle in sooner.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms apply.
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See Rates & Fees

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: 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 Filter values
Capital One® VentureOne® Rewards Credit Card
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
American Express® Green Card
30,000 points after spending $2,000 in the first 3 months
3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
$150
Earn 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases. Rates & fees
Gold Delta SkyMiles® Credit Card from American Express
30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
CardMatch™ from creditcards.com
See terms
See terms
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining and 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.

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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