A Review of the United℠ TravelBank Card
The United Airlines credit card program gives you a few cards to choose from. However, one stands out because it has no annual fee. The United TravelBank card is the new United Airlines credit card people are raving about. It is becoming a popular card with people who fly United Airlines.
With a range of cardholder perks including no annual fee, it’s easy to see why people love this card. We’ll discuss these perks along with some downsides to the Chase United Visa. This should help you decide if the United TravelBank card is the right choice for you.
United TravelBank Card Has No Annual Fee
One of the biggest perks that attract people to the United TravelBank card is no annual fee. This means you can use your card as much or as little as you want in a year. So you won’t have to adjust your spending habits to justify the annual fee. The United Airline rewards you earn with this card are all profit. This is a great benefit considering most other airline credit cards today have high annual fees.
TravelBank Cash
The United TravelBank card gives you rewards for using it. They’re called TravelBank cash, and you get them each time you use your United TravelBank card. Also, every time you buy an airline ticket through United Airlines you get 2% TravelBank cash for every $1 spent. All other purchases you make with your United TravelBank card will earn you 1.5% for every $1 you spend. This United Airlines travel reward credit card is straightforward, simple, and makes an excellent first travel credit card.
In-flight Savings
This United Visa can get you in-flight savings when you use it on United flights. If you pay for your food and beverages while you’re on the plane, you get a 25% statement credit. The Chase United Visa gives you this statement credit every time you use it. This means you have the potential for substantial statement credits.
United Travel Bank Account
All of the rewards you earn with this card accumulates in your TravelBank account. These travel rewards are unlimited, and you can receive them for as long as you have your account. This makes it easier to use your rewards how you want. You won’t have to worry about keeping track of multiple rewards either. They all accumulate in the form of free travel cash.
Travel Insurance
The United TravelBank card gives cardholders several travel insurance perks as well. These are mainly valuable in the event something happens while you’re traveling. You get trip cancellation or interruption coverage up to $1,500 per trip. If your trip is cut short due to illness or injury, United will reimburse you. You’ll also get collision damage.
Price Protection
When you buy something and register it with your United account, you get price protection. United will monitor for lower prices for 90 days to the date of the purchase. If they find a lower price for the same item, they’ll apply the difference to your account. This protection caps at $500 per item and up to $2,500 per year.
No Foreign Transaction Fee
You can safely use the United TravelBank card through banks that are not in the United States. You won’t incur extra foreign transaction fees for using your card. This makes the Chase TravelBank card and an excellent option for people who travel a lot. When you include this with the bonus rewards, you have an opportunity for huge savings.
United TravelBank Card Introductory Offer
Get approved for the United TravelBank card, and get an easy to meet introductory offer. Meeting this credit card sign up bonus is worth it. If you spend $1,000 within the first three months, you’ll get a $150 statement credit. This $150 will come in the form of Chase TravelBank cash. You can redeem this travel reward to pay for United flights. Additionally, you can see your reward amount every time you check out using your cash.
Inside Access Program
This card will get you into Chase’s Inside Access program. This VIP program allows you to get into exclusive lounges. It can also get you into private dinners with celebrity chefs. You can also get into premium events, concerts, parades, and much more simply by using this card.
Purchase APR
A downside to this card is the purchase APR. It ranges from 16.99% to 23.99%. Your purchase APR will depend on your credit score. The higher your credit score is, the lower the purchase APR percentage will be. So, if you carry a balance, this interest can add up quickly. You’ll end up paying much more back than you originally paid for your item.
Restricted Rewards
Although you have the potential to earn substantial airline rewards, they’re restricted. These airline rewards accumulate for as long as you have the account. However, you can only use them on United Flights. So if you’re not loyal to United Airlines, you should look into different airline credit cards.
Credit Score
The United TravelBank card requires its cardholders to have excellent credit. Unfortunately, this can shut out a lot of people. The higher your credit score is, the lower APR you’ll have to pay. So if you have fair credit, this could hurt you with this card. You may want to reconsider applying if you know your credit isn’t high enough for a decent APR.
Bottom Line on the Chase United℠ TravelBank Card Issued by Visa
The United TravelBank card is a reliable option for someone who flies with United Airlines. You get plenty of perks for merely using this card. Also, these perks can quickly add up to huge savings and bonuses. If you’re someone who wants to earn United MileagePlus miles, this card isn’t a good option for you. Additionally, it doesn’t give you any checked bag passes, and this can be a drawback.
The no annual fee is another significant draw for this card. It makes it easy to justify having the United TravelBank Card. As long as you fly United, this card is worth looking into. The perks far outweigh the drawbacks for its cardholders.
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