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United TravelBank Card

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3.8 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon

United℠ TravelBank Card

Rewards rate Earn 2% in TravelBank cash per $1 spent on tickets purchased from United.* Earn 1.5% in TravelBank cash per $1 spent on all other purchases.* Annual fee Intro offer $150 in United TravelBank cash after you spend $1,000 on purchases in the first 3 months from account opening.* Regular APR Recommended Credit Score A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product. The information about the UnitedSM Explorer Card has been collected independently by Bankrate.com and has not been reviewed or provided by the card issuer. Editor's Note: This offer may no longer be available.

United TravelBank Card overview

The newest and United credit card partnership, launched in September 2017, is its most bare-bones offering yet. The United TravelBank Card has no annual fee but none of the perks that typically come with an . This is fine for infrequent travelers looking to earn a few rewards, but probably not worth it to others.

A deeper look into the current card offer

Quick highlights

Rewards rate: Earn 2% in TravelBank cash per $1 spent on tickets purchased from United.* Earn 1.5% in TravelBank cash per $1 spent on all other purchases.* Annual fee: $0 Intro offer: $150 in United TravelBank cash after you spend $1,000 on purchases in the first 3 months from account opening.* Regular APR: 15.99% to 22.99% (variable)

Review

The fifth in a line of Chase and United co-branded cards, the United TravelBank Card pays rewards in the form of TravelBank cash, which can be redeemed toward flight purchases or airline incidentals. It's also the first no-fee United credit card. The card pays a respectable 2% in TravelBank cash when you purchase United tickets and 1.5% TravelBank cash for all other purchases. It also offers a 25% rebate as a statement credit on your card when you use it to buy food or beverages on board a United-operated flight. Chase and United also are offering a new cardholder bonus of $150 in TravelBack cash after you make $1,000 in purchases during your first three months. For someone who flies a few times a year and prefers to do so on United, this card could be an OK way to save money on travel expenses. To earn enough TravelBank cash for a free round-trip flight (the average cost of a domestic round-trip flight is $351.85, according to the U.S. Department of Transportation), you'd have to spend about $18,000 on United flights or $24,000 on non-United purchases. You may ultimately find more value using a different credit card. In exchange for not paying an annual fee, you're also giving up the perks that come with other United co-branded airline cards, like a free checked bag on each trip, United Club passes, priority boarding and bigger sign-up bonuses. Ultimately, the lack of perks is what cost this card points in our eyes. The card does come with Visa Signature benefits, which include discounts and upgrades at hotels in the Luxury Hotel & Resort Collection. If you fly regularly on United, you'll likely be better off with the United Explorer Card, which has a $95 annual fee (waived the first year). This includes a free first checked bag for you and a companion on your reservation, which could save up to $140 per round trip, plus priority boarding. You'll also receive two United Club passes on your card anniversary. The earnings rate is similar to the TravelBank Card, so if you fly at least once a year with a companion and checked luggage on a round-trip United flight, the United Explorer is the better choice.

Who should get this card

This card could be a good choice for someone who likes flying United, wants to earn rewards toward free flights but doesn't want to pay an annual fee.

Fees and APR

There's no annual or foreign transaction fees with this card. You'll pay a variable APR of 16.99% to 23.99% based on creditworthiness. Late payments won't affect your APR, but there is a late fee of up to $37 if you miss a payments or make a late one.

Extras perks and using rewards

Cardholders get a 25% rebate of their food and beverage purchases made onboard a United flight. This card is a Visa Signature card so it comes with discounts and upgrades at hotels that are part of The Luxury Hotel & Resort Collection. It provides some auto and travel insurance, including roadside dispatch and lost luggage reimbursement. TravelBank cash can be redeemed on the United website by logging into your Mileage Plus account. There's no minimum amount required to redeem and you can use your TravelBank cash for full or partial payment of airline tickets.

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Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.