United MileagePlus TravelBank Card

United MileagePlus TravelBank Card Review

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This is a rewards credit card issued by Chase Bank. If you're wondering whether United MileagePlus TravelBank Card is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of up to $150 if you spend $1000 within 3 months.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 24.49%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 5% Balance transfer fee. United MileagePlus TravelBank Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, price protection, purchase protection, travel accident insurance, trip cancellation insurance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of United MileagePlus TravelBank Card

The Good

The Bad

No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Free access to your credit score. Identity Theft Protection. Travel accident insurance. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere United MileagePlus TravelBank Card is accepted. United MileagePlus TravelBank Card reports to multiple credit bureaus.

Higher than average purchase APRs. You need good credit to qualify. Charges a 5% balance transfer fee.

United MileagePlus TravelBank Card FAQ

Does United MileagePlus TravelBank Card have a cash back or rewards program?

United MileagePlus TravelBank Card is a travel rewards card.

United MileagePlus TravelBank Card Rewards

Minimum rewards rate	1.5x
Max rewards rate	2x
Annual rewards limit	N/A
Signup Bonus ($)	Starting at $150
Signup Bonus Spend Requirement	$1000
Signup Bonus Spend Period (months)	3 months

What are the United MileagePlus TravelBank Card benefits?

It provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Trip Cancellation Insurance
• Zero fraud liability
• Price Protection
• Travel Accident Insurance
• No blackout dates when redeeming miles
• Reports to major credit bureaus

What are the relevant APRs for United MileagePlus TravelBank Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

United MileagePlus TravelBank Card has a variable purchase APR that ranges from 17.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 24.49%. It also has a variable cash advance APR starting at 26.49% .

What are the fees for United MileagePlus TravelBank Card?

The following fees apply:

United MileagePlus TravelBank Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does United MileagePlus TravelBank Card report your account activity to credit bureaus?

Yes, United MileagePlus TravelBank Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for United MileagePlus TravelBank Card

• Visit the United MileagePlus TravelBank Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.