Posted by Chuck on December 4, 2017
Credit Card Review

Published on December 4th, 2017 | by Chuck

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Chase Launches New United TravelBank Card: No Annual Fee, 1.5% Back on Regular Purchases, 2% on United Purchases, 25% Discount on In-Flight Food Purchases

[12/4/17: Reposting to clarify that 5/24 does seem to apply to this card according to some data points.]

Chase and United teamed up for a new no-annual-fee credit card which earns 1.5% back in United credit on everyday purchases and 2% back on United flights. Rewards can be used to buy United flights.

Direct Application Link 

Rewards Details

  • 2% back on United flight purchases
  • 1.5% back on all other purchases

Rewards are not cash back, they are credits which can be redeemed for United flights.

  • No limit to the amount of rewards you can earn
  • TravelBank cash can be used alone or combined with select forms of payment during the purchase

Also, earn 25% back as a statement credit on purchases of food and beverages onboard United-operated flights.

Signup Bonus

  • Signup bonus: Get $150 in TravelBank cash (United credit) after spending $1,000 within three months

Card Details

  • No annual fee
  • No foreign transaction fee

List of United Cards

United now has eight card offerings:

Both the Explorer cards come with a $95 annual fee, both the Club cards come with $450 annual fee, the prepaid card and TravelBank card have no annual fee.

Final Thoughts

I can’t see much reason why someone would get the TravelBank card since you can get cards which earn 2% cash back everywhere, like the Citi Double Cash card. Still, there are a few interesting thing about the card:

  • $150 signup bonus
  • No foreign transaction fee (most basic cards do have a 3% foreign transaction fee)
  • 25% rebate on in-flight food purchases (maybe some people spend a lot on hard drinks or whatnot in-flight?)
  • This card could be an interesting option for downgrading if you no longer want to pay the annual fee on the card. This might be the most interesting thing about this card – might even be possible to downgrade and subsequently upgrade when you need it, save the annual fee and don’t lose a 5/24 card.

The elephant in the room is still unknown: will this card be subject to 5/24? The other United cards are subject to 5/24, and data points indicate the card does fall under 5/24 (1, 2).

Read more on Business Insider



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Phill
Phill

Fingers crossed on no 5/24 rule.

AB
AB

3 questions:
1. Does it have a baggage waiver?
2. Does it get the 25% MPX bonus?
3. Does it open up NX award space?

Paul
Paul

1. no
2. probably not
3. no

escot
escot

Yup — critical question — without the baggage waiver, and with United’s recent morphing into yet another miserable, miserly, pay for your oxygen Frontier/Spirit type airline….. not interested in this card — or for that matter flying the ex-friendly skies anymore. In North America, prefer going with Southwest, Alaska, JetBlue or (gasp) AA whenever.

Charlie
Charlie

I was with you until you said “(gasp) AA.” Why do you think they are any better than United (especially after yesterday’s announcement about expanding Basic Economy)?

AB
AB

They are actually worse because they make their moves quietly (devaluations, shrinking pitch+seats, etc). At least United is upfront about how they’re going to screw you over.

ZipZapKaZoom
ZipZapKaZoom

What lol/24 is going to be the 5/24 DP.

Matthew
Matthew

I swore I saw TravelBank show up on my $0 AF United card at one time, but not anymore. Maybe they were considering replacing it, or an IT issue.

NinjaX
NinjaX

still dont understand why UA is under 5/24. wtf man.

The Value Traveler

Exactly. I would have thought the Marriott card would be subject to 5/24 and not the United card

Albert H
Albert H

Does this card keep United Miles from expiring?

Prem
Prem

Chase itself is WTF……only if we all could not be greedy and boycott F’ing Chase and could bring that azzhole company Down to earth n force them to abort 5/24😡😡😡😡😡😡😡😡😡😡

Lrdx
Lrdx

It does not earn United Miles, so I’d guess no, it does not.

JASON
JASON

Because BofA announces a new travel card and that Chase tries to do something?

Dan
Dan

Why would anyone get this…

The Value Traveler

No bonus either…..

trant3
trant3

No bonus, points for UA only, this card is useless unless you fly UA.

Lrdx
Lrdx

It’s still useless, get a Citi Double instead.

Ferris
Ferris

It serves one purpose (hopefully): a downgrade option for the Chase United MileagePlus card. That is if you can get under 5/24 first-off.

lag
lag

I suspect it serves a second purpose. If you are over 5/24 and still want AF United cards, I would think you can upgrade from this card.

Ivan X

Since the no-fee MileagePlus Card already exists, what is the interesting thing about this card as a downgrade option? Presumably you don’t actually want to spend on either of them.

Also, there is one more seemingly available United card: First Hawaiian Bank United Mileage Plus
https://www.fhb.com/en/personal/credit-cards/united-mileage-plus/

Dedeo
Dedeo

FHB United Mileage Plus is not much worth for most of people, but has some benefit for local people (HI, GU).

Ivan X

I didn’t think it was a good card or anything, just that it might make sense to add to the list of United cards in the post.

I guess the FHB United card could be worth it if you think 5,000 UA miles is worth $60 and an HP (debatable, but not implausible,
If you fly UA regularly).

stvr
stvr

How much would you have to spend on this card to get a first class ticket to Europe?

Mike L
Mike L

Look up the price of the route you want to take and then do the calculation. As others have suggested above, the Citi Double Cash is the superior card to get. It will get you 2% back on ALL purchases and you can use it on any airline (or anywhere, for that matter), not just United.

flythefriendlyskies
flythefriendlyskies

I have the $95 AF version that I find little to no use for these days. Wanted to downgrade to a no AF version but wasn’t sure what to downgrade to. Any recs?

Also, if you downgrade to this card would you be eligible for the signup bonus?

Beth
Beth

Just downgraded to this to avoid another $95 fee on my United Mileage Explorer card which I got 2 years ago. I was not eligible for the signup bonus on the Travel Bank Card but don’t care. Downgrading simply keeps the credit history on the account and it’s a no fee card so I couldn’t see any reason not to do this. I am actually about to drop under 5/24 and plan on applying for a new United Mileage Explorer card soon for another signup bonus

banananon
banananon

I’m not sure why anyone would worry about if 5/24 applies to this card. If you’re over 5/24 I hope you’ve learned that HP’s and new accounts are worth more than $150.

Andy
Andy

What I would want is to get this and CP to the MPE so I can get the MPE benefits.

e
e

Still doesn’t stack up against JetBlue Barclay, which has 3x on its flights and 50% discount on in-flight food purch.

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