United TravelBank Card
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.
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.
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
|Authorized User Fee|
|Foreign Transaction 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!
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.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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