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United℠ TravelBank Card Review

Pros & Cons

  • Earn a $150 TravelBank bonus after spending just $1,000 in the first three months.
  • TravelBank dollars redeem at a 1:1 ratio when it comes time to purchase your next ticket with United Airlines.
  • You'll earn 2 percent in TravelBank cash on United Airlines ticket purchases made with the airline and 1.5 percent in TravelBank cash on your everyday purchases, making this a solid credit card for your trips to the grocery store or your next airline ticket.
  • The TravelBank cash you earn is only redeemable for tickets with United. If you want more travel flexibility, consider a more general travel rewards card such as those mentioned in the "Compares" section below.

Top Features

Cash Back on Gas
1.5% per $1
Cash Back on Groceries
1.5% per $1
Cash Back on Other
1.5% per $1
Annual Fee

Full Review

Brooklyn Lowery Site Editor

UnitedSM TravelBank Card Essentials

Hot on the heels of American Express and Delta announcing a no-annual-fee airline card, United Airlines and Chase introduced their own no-annual-fee airline credit card, the United℠ TravelBank Card.

The United℠ TravelBank Card is geared toward casual flyers who like the opportunity to earn free flights in a relatively short amount of time, but aren't necessarily burning up the runways with their frequent travel and don't require a lot of the perks and features that come with airline cards that charge annual fees.

This new card is an easy-to-carry alternative to the United MileagePlus® Explorer and the United MileagePlus® Club cards, both of which offer more bells and whistles, but also come with annual fees – $95 and $450, respectively – that can be real obstacles for many consumers and likely aren't a great value for the every-so-often traveler.

The United℠ TravelBank Cardd is a streamlined card with $0 annual fee and an easy-to-understand rewards program that's a breath of fresh air for anyone who embraces simplicity and bristles at lengthy legalese. You earn 2 percent in TravelBank cash for every $1 spent on United Airlines tickets purchased directly from the airline. You earn 1.5 percent TravelBank cash on all your other purchases. In addition, cardholders receive a $150 bonus credit in their "bank" if they use their card for at least $1,000 of qualified purchases in the first three months.

The credits you accumulate in your "TravelBank" can be used at any time toward ticket purchases on United Airlines. The best part? $1 TravelBank cash equals $1 toward your ticket. It doesn't get simpler than that.

Sweetening the deal a bit, United℠ TravelBank Card cardholders also enjoy a 25 percent statement credit on all in-flight food and beverage purchases made using your card on your United Airlines flight.

If you are a looking for a simple credit card airline rewards program that will earn you discounted, or even free, tickets in a short period of time, consider these points about the United TravelBank Card:

  • $0 annual fee.
  • You can redeem the TravelBank cash in your "bank" at any time.
  • Earn a $150 bonus after you spend $1,000 on purchases in your first three months from account opening.
  • Receive a 25 percent card statement credit on in-flight food and beverage purchases on United flights.

What Our Editors Like Most about the UnitedSM TravelBank Card

The travel rewards program for the United℠ TravelBank Card is easy to understand and satisfies the need for immediate gratification. Perhaps the best part, though, is the lucrative rewards-earning opportunities without an annual fee.

You get 2 percent TravelBank cash back on every United Airlines ticket purchased directly with the airline. You get a robust 1.5 percent for all other purchases, which is the rate at which many, if not most, regular flat-rate cash-back credit cards earn. Spend at least $1,000 on qualified purchases – that's a low bar when it comes to signup bonus spending thresholds – in the first three months and receive a $150 bonus credit in your "bank." It's that simple.

Those credits can add up in a hurry and there is no limit on how much you can "bank." There are also no restrictions on when you can redeem your banked credits toward United Airline ticket purchases.

We also love the fact that you get a 25 percent statement credit on your in-flight purchases. It's a good feeling to know you'll be getting a rebate on anything you might spend on food or beverages during a long flight.

And, lastly, feel free to use your TravelBank dollars to jet abroad since you won't pay foreign transaction fees if you use the United℠ TravelBank Card while overseas.

Potential Downsides of the UnitedSM TravelBank Card

The United℠ TravelBank Card should probably not be the only card in your wallet. The rewards offered are simply too narrow. Instead, consider combining this card with another cash-back rewards card that offers bonus rewards in categories in which you often shop. Since there's no annual fee, there's no harm in carrying the United℠ TravelBank Card as a go-to for its 1.5 percent back on your purchases, but racking up bonus rewards with a card that earns more in particular categories would be a nice touch.

Remember, too, that the credits you accumulate in your "bank" for each dollar spent, can only be used on United Airlines ticket purchases and the 25 percent statement credit is only on in-flight purchases made while flying United.

One other thing to keep in mind: this card doesn't offer you free baggage check. Many airline rewards cards offer a free first bag as a perk for their cardholders. That said, most of those cards also charge an annual fee.

You will also want to make sure you make your monthly payment on time, as there is a fee of up to $37 on late payments.

How the UnitedSM TravelBank Card Compares to Other Travel Reward Cards

United℠ TravelBank Card vs. Capital One® Venture® Rewards Credit Card

Both the United℠ TravelBank Card and Capital One® Venture® Rewards Credit Card tout your ability to rack up rewards in a short period of time and both offer bonuses to get the ball rolling. The key difference is in how much a cardholder anticipates spending on their card and how much flexibility you expect when it comes time to redeem.

With the United℠ TravelBank Card, you can earn a $150 credit to your "bank" after making $1,000 in qualified purchases over the first three months. The Capital One® Venture® Rewards Credit Card, targeting a bigger spender, offers 50,000 miles (equal to $500 in travel) once you spend $3,000 on purchases within the first three months.

While the Capital One® Venture® Rewards Credit Card might offer bigger rewards at two times the miles on every purchase (and 10 times the miles when you use your card to pay for a booking through Hotels.com/Venture), the United℠ TravelBank Card seems better suited for someone on a budget and with visions of taking a flight or two a year perhaps to visit family and when you don't need points for hotel stays or other travel expenses.

The Capital One® Venture® Rewards Credit Card waives the annual fee the first year but charges $95 per year after that. That said, you can rack up miles quickly with this card and you can redeem them for a variety of travel needs without having to worry about brand loyalty or black-out dates.

United℠ TravelBank Card vs. Discover it® Miles

Neither the United℠ TravelBank Card, nor the Discover it® Miles (This card is not currently available on CardRatings) charges an annual fee or foreign transaction fees, attractive qualities in a credit card for travelers on a budget.

With Discover it® Miles, you earn 1.5 miles for every $1 spent on qualifying purchases, but it's really the signup bonus that makes this card special. Discover will MATCH every mile you accumulate during your first year after activating the card. There is no limit, meaning this total could be substantial depending on how much you spend. It basically means that earning 30,000 miles in your first year means you've earn 60,000 miles. Put another way, you essentially earn three miles per $1 spent during your first year.

And those miles are redeemable for statement credit to cover your travel-related expenses, which means they can cover a variety of travel needs. Keep in mind, though, the signup bonus is a delayed gratification situation. If you're hoping to open a credit card and use a signup bonus to travel soon afterward, Discover it® Miles doesn't offer than opportunity.

Who Should Get the UnitedSM TravelBank Card?

This card is designed for folks who are casual travelers, but still appreciate a free flight when they can snag one. The United℠ TravelBank Card gives you the chance to accumulate rewards on everyday purchases at a rate that's comparable to regular flat-rate cash-back cards. Plus, you can earn a bonus without having to spend a huge amount upfront and without having to pay an annual fee. The lack of foreign transaction fees is also nice if you're dreaming of getaway abroad.

The rewards program is perfectly designed for people who like to keep things simple and for anyone who gets excited about the chance to score airline tickets at little or no cost – as long as you're a loyal United Airlines flyer, that is.

This page was last updated on November 12, 2018

This card compared to other cash back cards

Cash Back on Gas
1.5% per $1
Unlimited 1.5% cash back
Cash Back on Groceries
1.5% per $1
Unlimited 1.5% cash back
2% at grocery stores
Cash Back on Other
1.5% per $1
Unlimited 1.5% cash back
Purchase Intro
0% Intro APR on Purchases
15 months
Regular APR
16.99% - 23.99% Variable 
16.99% - 25.74% Variable 
16.74% - 25.74% (Variable) 
CardRatings.com Editorial Staff

United℠ TravelBank Card details

Balance Transfer Intro APR:
Balance Transfer Intro Period:
Balance Transfer Fee:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Annual Fee:

What Chase says about this card

  • $150 in TravelBank cash after you spend $1,000 on purchases in the first 3 months your account is open
  • Earn 2% in TravelBank cash per $1 spent on airline tickets purchased from United
  • Earn 1.5% in TravelBank cash per $1 spent on all other purchases
  • No foreign transaction fees
  • Enjoy 25% back as a statement credit on purchases of food and beverages onboard United-operated flights, when you pay with your United TravelBank Card.
  • TravelBank cash is easy to use. $1 in TravelBank cash = $1 when used toward the purchase of a United ticket.
  • Your TravelBank cash accumulates in your United TravelBank account on United.com. There's no limit to how much TravelBank cash you can earn.
  • $0 Annual fee

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Apply online for Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Credit Needed:
Excellent, Good
Apply online for Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Credit Needed:
Excellent, Good