United TravelBank Card | Review & TravelBank Cash Calculator

United TravelBank Card

Card Review & TravelBank Cash Calculator
2% United Tickets
1.5% Everything Else
25% In-Flight Savings

Review the benefits of the United TravelBank Card, calculate how much TravelBank Cash you can earn based on your spend, and compare results to top cards.

The United Airlines TravelBank 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.

United TravelBank Cash Value

TravelBank Cash earned with the United TravelBank Card works similar to your standard cash back card. You will earn a certain amount of TravelBank Cash based on the spend you run through the card. That earned TravelBank Cash can then be applied towards United Purchases.

The big difference between earning TravelBank Cash and United Miles is that TravelBank Cash will always be worth face value while United Miles can have a range of values depending on how you redeem them. $0.01 in TravelBank Cash has a value of $0.01 towards United purchases, but 1 United Miles can be worth more or less than $0.01 (generally worth more).

The primary benefit that the TravelBank Card has over other United Card is that it earns 1.5% back on non-United purchases whereas most of the United Miles-earning cards earn 1 United Mile. More times than not, 1.5% back in TravelCash will be worth more than 1 United Mile.

Bonus Categories

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

2% United Airlines

Using the United TravelBank Credit Card for United Airlines purchases will earn 2% TravelBank 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.

Most redemptions with United Miles will give you more than 2% in value, so you'll want to stick with a United Miles-earning card if you want better overall value as well as benefits when flying United. If you're looking to avoid annual fees and/or don't care about the extra value and benefits, the the United TravelBank Card is not a bad option.

1.5% Non-Category

Any non-United Airlines purchases with the United TravelBank Credit Card will earn 1.5% TravelBank 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 most of United's other cards as they only earn 1 United Mile which will typically have less than $0.015 (1.5%) in value. If you want to max out everything United and don't usually redeem United Miles for more than 1.5 cents per mile, the TravelBank Card is a good option for non-category spend dedicated to United.

Perks and Benefits

The United TravelBank Card offers one primary benefit specific to United along with a handful of your normal Chase credit card benefits.

25% Off In-Flight Purchases

When you use the United TravelBank Card to make in-flight purchases of food, beverages, and Wi-Fi on United-operated flights, you will receive 25% off in the form of a statement credit. This benefit is featured on all United credit cards. The United Club Infinite Card offers the best return since you'll earn 4x United Miles and 25% off your in-flight purchase.

Travel & Purchase Protections

As with most Chase credit cards, you'll receive great travel and purchase protections when you use your United TravelBank Card to make purchases. Benefits include:

Sign Up Bonus

The standard sign up bonus for the United TravelBank Card is $150 in TravelBank 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 and is relatively low when compare to the bonuses on other United Cards which can net you 50,000 to 100,000 United Miles bonuses averaging out to $500-$1,200+ in value.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

There is no annual fee for the United TravelBank Credit Card. This puts it on the map for anyone who doesn't fly United enough to warrant picking up the United Explorer Card, but still wants to earn rewards redeemable with United.

Authorized User Fee

There is no authorized user fee for the United TravelBank Credit Card. If you're looking to build cash toward purchasing airfare with United Airlines, adding friends and family will help build your TravelBank Cash faster.

Foreign Transaction Fee

The foreign transaction fee for the United TravelBank Credit Card is 0%. This means you can build TravelBank 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 other rewards card side-by-side by clicking on the Compare A Card button.
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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.
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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 ($0.001).
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Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
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Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
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This will clear the spend in all of the categories in both columns. This will also clear all saved values.
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Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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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.
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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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.
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Enter how much you value any unmentioned perks this card offers.
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This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
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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.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-03-25
Article By: Robert Flowers III

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