United TravelBank Card Review

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The United TravelBank Card online application is currently closed to new applicants. If you’re looking for a comparable (or even better) travel rewards card, check out our picks of the best airline cards available right now.

The United TravelBank Card is the littlest finch of the United family of travel credit cards. You won’t find some of the luxe features of those other high-flying cards. But you can earn airfare with this card without a complicated mileage program to learn or paying an annual fee. However, this card is not currently accepting online applications.

United℠ TravelBank Card

overall rating
3.4
United℠ TravelBank Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 22.99% variable
Annual Fee $0
Rewards Earning Rate Earn 2% in TravelBank cash per $1 spend on tickets purchased from United, 1.5% TravelBank cash per $1 on all other purchases.
Foreign transaction fee (%) 0%
Ratings Breakdown
for Interest
2.1
for Fees
3.0
for Rewards
3.3
for Credit
2.2
Current Offer

$150 in United TravelBank cash after you spend $1000 on purchases in the first 3 months from account opening.

Who Is This Credit Card Best For?

  • Avatar for Jet Setter Persona
    Flies regularly and likes finding ways to score even more travel—for free See more cards
    Jet Setter
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Adventure Seeker Persona
    Loves to explore places and experience new things See more cards
    Adventure Seeker
  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty See more cards
    Brand Loyalist

If you’ve been wanting to dip your toes in the travel rewards game, but don’t want to pay the steep annual fees or mess with complicated rewards programs, this card is one to consider. However, you’ll need to be a United Airlines fan because you can’t use the rewards you earn on the card anywhere else. In fact, we recommend this card for people who live near one of United’s hubs, since this will give you the most opportunities to use it.

Pros
  • No annual fee

  • No foreign transaction fee

Cons
  • Small welcome bonus

  • Limited rewards program

Pros Explained

  • No annual fee: The card doesn’t offer great value compared to some other travel rewards cards, but you won't have to make up for an annual fee.
  • No foreign transaction fee: On your next international trip, you can swipe away without worry of foreign transaction fees. This is standard on most travel credit cards, but it’s still worth noting.  

Cons Explained

  • Small welcome bonus: You can find better opening offers from other travel cards that also don't have annual fees.
  • Limited rewards program: We hope you like flying on United and United alone, since that’s the only airline you can use these rewards for. (United’s other credit cards earn miles that can be used for partner flights as well as redeemed for hotel stays, car rentals, and more.)

Bonus for New Cardholders

If you spend at least $1,000 within the first three months of getting this card, you’ll get $150 in TravelBank cash. TravelBank is a separate rewards program administered by United, and once you reach the spending requirements, it’ll take a further six to eight weeks for the rewards to post to your account. 

Any bonus is nice when you’re not paying an annual fee, but other travel cards without an annual fee have bonuses worth as much as $300.

If you fly United Airlines frequently, it might be better to sign up for one of the more premium United credit cards, such as the United Explorer card. Although it and the other United cards have annual fees, the rewards and perks can make up for the fees.

Earning Points & Rewards

This card earns cash in the TravelBank program, not MileagePlus, the airline’s main loyalty program and the one associated with other credit cards. 

You’ll earn 2% TravelBank cash for every $1 you spend on United flights, and 1.5% TravelBank cash for all other purchases. 

Your TravelBank cash rewards transfer to your TravelBank account at the end of each statement period. Once they’re in your TravelBank, your rewards won’t expire as long as you have some activity on your account at least once every 18 months. 

Note that, unlike MileagePlus or other airline frequent flyer programs, you can’t earn TravelBank cash by flying. Your rewards earnings are limited to whatever you earn by making purchases with this credit card. 

There are cards with no annual fee that offer 2% cash back on all purchases, which may be a better value. With a card like that, not only will you earn more rewards on non-United purchases, but you can spend your rewards on anything you want (including United tickets).    

Redeeming Rewards

The TravelBank rewards program is a lot simpler than United’s MileagePlus rewards program. There are no options for redeeming your rewards for anything other than United and United Express airfare, and the value of your points won’t vary based on which flight you redeem your points for (as they would if you had MileagePlus rewards). 

You’ll be able to use any TravelBank cash rewards saved up to purchase part or all of your flight. Simply, $1 in TravelBank cash equals $1 worth of travel on United or United Express flights. 

For example, if you want to purchase a $400 flight, it will cost you $400 in TravelBank cash. Or you could pay, say, $233 in TravelBank cash and $167 in regular cash if you only had $233 worth of TravelBank cash in your account.

While we like the simple nature of this program, your rewards will on average be worth more with a credit card that earns MileagePlus miles. Because that program lets you redeem for some flights that are more expensive in dollars than they are in points, we value them at 2.28 cents each. TravelBank points are worth 1 cent each.

To see how the United TravelBank Card’s points stack up, check out our in-depth analysis of what credit card points are worth.

How to Get the Most Out Of This Card

There are two ways to use this card effectively. First, as with any bonus offer, make sure you’re able to spend $1,000 within the first three months in order to earn the $150 TravelBank cash bonus.

Second, use your card every time you purchase a flight from United, since this is how you’ll earn the highest rewards rate. You’ll have to spend $25,000 on United airfare or $33,334 on other purchases to earn enough TravelBank cash for a $500 plane ticket. 

United TravelBank Card’s Excellent Perks

The card only offers one benefit that editors at The Balance have deemed as superior to the standard perks offered on most travel cards.

  • Coverage for trip cancellation or interruption: You can be reimbursed for up to $1,500 per trip for non-refundable passenger fares if you have to cancel or interrupt your trip due to circumstances beyond your control, such as sickness or injury.

United TravelBank Card’s Other Features

  • 25% back on United in-flight purchases 
  • Rental car collision insurance (secondary to your own policy)
  • Insurance for stolen or damaged purchases
  • Lowest advertised price match

Customer Experience

You can expect an average customer service experience with Chase, the issuer of the United TravelBank credit card. In a 2019 J.D. Power study, the company was ranked fourth out of 11 major credit card issuers, scoring 807 out of a possible 1,000. The industry average score was 806. 

One customer service offering that Chase has that stands out is a credit score and monitoring service, called Chase Credit Journey. This service is free for anyone regardless of whether they have a Chase account or not.

Security Features

Most of Chase’s security features are standard for the industry. One notable addition is the credit monitoring you get through the Chase Credit Journey tool. If you get an alert that your credit report has changed but you haven’t opened any accounts yourself, it can help you identify potential fraud. 

United TravelBank Card’s Fees

None of the United TravelBank’s fees are out of the ordinary, especially for a travel rewards credit card. For example, there is no foreign transaction fee, but as with other travel cards, this is not one you’d want to use for balance transfers because those transactions are more expensive than they would be with some other cards.

For United℠ TravelBank Card
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CURRENT CARD
United℠ TravelBank Card
overall rating
3.4
United℠ TravelBank Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 22.99% variable
Annual Fee $0
Rewards Earning Rate Earn 2% in TravelBank cash per $1 spend on tickets purchased from United, 1.5% TravelBank cash per $1 on all other purchases.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. United. "United TravelBank Card." Click on "Offer Details." Accessed May 13, 2020. 

  2. United. "TravelBank Terms & Conditions." Accessed May 13, 2020. 

  3. J.D. Power. "Credit Card Rewards War Reaches Inflection Point as Competition Grows, J.D. Power Finds." Accessed May 13, 2020. 

  4. Chase. "Chase Credit Journey." Accessed May 13, 2020. 

  5. Chase. "Pricing & Terms." Accessed May 13, 2020.