Miles Calculator - United Travel Bank Credit Card

United TravelBank Card

2% United Tickets
1.5% Everything Else
25% In-Flight Savings

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The United Airlines Travel Bank Credit Card is a unique cash back card that earns rewards specific to United Airlines. It's similar to using the other United Airlines credit cards but without all the extra benefits and earning categories. When it comes to the United cards, this is the worst card in the bunch if you're looking to apply rewards towards United Airlines travel.

The Value of Travel Bank Cash

The rewards earned with the United Travel Bank Credit Card is similar to your standard cash back card. You'll either earn 2 cents or 1.5 cents per $1 spent depending on whether or not it's a United Airlines purchase. Travel Bank Cash can only be used toward United Ticket purchases, so you're looking at a straight forward return when it comes to using this card. The other United Cards actually earn United Miles which are worth 1.4 cents on average when redeemed for United Airfare. United Miles can also be used for hotels, rental cars, cruises, and gift cards for about half the value. The better thing about United Miles is that they can also be transferred to Marriott Bonvoy Points at a 1:1 ratio and even used for United Club Membership, TSA PreCheck, and more.

Bonus Categories

The United Travel Bank Credit Card features one bonus category which is United Airlines purchases. There is no limit to the amount of Travel Bank Cash you can earn with this card.

2% United Airlines

Using the United Travel Bank Credit Card for United Airlines purchases will earn 2% Travel Bank Cash per $1 spent. This is equal to earning 2% cash back that is applicable only to United Airlines. United Purchases count as airline tickets (purchased directly with United), seat upgrades, in-flight food, beverages, Wi-Fi, baggage service charges and other United fees and does not include United Cruises®, MileagePlus X, DIRECTV, and Merchandise Awards.

While the other cards do hold annual fees, this card does not have as high of a return when it comes to anyone who flies United Airlines a few times a year. Since United Miles are usually worth about 1.4 cents each, you're looking at earning $0.014 cents per $1 instead of $0.01 like you would with this card. But this all depends on how much money you spend on United. You can use the United Travel Bank Cash Calculator to compare this card and see which one will put you ahead.

1.5% Non-Category

Any non-United Airlines purchases with the United Travel Bank Credit Card will earn 1.5% Travel Bank Cash per $1 spent which is equal to earning 1.5% cash back that is applicable only to United Airlines. Earning a 1.5% return on non-category purchases puts this ahead of the United Explorer Card since it earns a slightly higher return (0.1 cents). The only other United Card that earns a better return rate per $1 spent is going to be the luxury United Club Card which earns 1.5 United Miles per $1 spent which is going to be a little over a 2% return. Of course, the luxury card has a high annual fee so you'll have to compare them and see which card puts you on top.

Perks and Benefits

25% Off In-Flight Purchases

United Travel Bank Credit Card holders will receive 25% Off In-flight Purchases of food, beverages and Wi-Fi on United operated flights. These purchases must be made on this United Credit Card and this will be in the form of a credit card account statement credit. Statement credit(s) will post to your credit card account the same day of your purchase(s). Authorized users will also receive 25% off in-flight purchases when they use the Travel Bank Credit Card.

Sign Up Bonus

The United Travel Bank Credit Card sign up bonus is $150 in Travel Bank cash after you spend $1,000 on purchases in the first 3 months your account is open. This is equal to $150 off a United Airline ticket. This is relatively low when compare to the United Explorer Card which offers sign up bonuses around 40,000 Miles which is worth about $560.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

There is no annual fee for the United Travel Bank Credit Card. This puts it on the map for anyone who doesn't fly United enough to warrant picking up the United Explorer Card or United Airlines Club Card. Having no annual fee means you'll always earn between 1.5% and 2% for all purchases which isn't bad if you don't mind the rewards being locked to United Airline travel.

Authorized User Fee

There is no authorized user fee for the United Travel Bank Credit Card. If you're looking to build cash toward purchasing United Airfare, adding friends and family will help build your balance faster.

Foreign Transaction Fee

The foreign transaction fee for the United Travel Bank Credit Card is 0%. This means you can build Travel Bank Cash when using the card internationally and not have to worry about being charged a fee while doing so!

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
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Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-01-01

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