United MileagePlus TravelBank Card Review

United MileagePlus TravelBank Card 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. This is everything you need to know to make a good choice.

Key takeaways:

• Earn 1.5% cash back on everyday purchases. This is higher than the average reward rate (1% cash back) for everyday purchases.
• Signup bonus. Offers a signup bonus of $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 up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 in transfer fees. The minimum fee is $5.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, price protection, purchase protection, travel accident insurance, trip cancellation insurance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

United MileagePlus TravelBank Card Pros and Cons:

The Good

The Bad

No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Free access to your credit score. Travel accident insurance. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. United MileagePlus TravelBank Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

Higher than average purchase APRs. Requires good to excellent credit. Charges a 5% balance transfer fee.

Is there a United MileagePlus TravelBank Card cash back or rewards program?

United MileagePlus TravelBank Card offers a rewards program to its customers.

United MileagePlus TravelBank Card Rewards

Rewards rate (all purchases)	1.5%
Max rewards rate	2%
Annual rewards limit	N/A
Signup Bonus ($)	$150
Signup Bonus Spend Requirement	$1000
Signup Bonus Spend Period (months)	3 months

What are the United MileagePlus TravelBank Card benefits?

United MileagePlus TravelBank Card 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
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for United MileagePlus TravelBank Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. United MileagePlus TravelBank Card has higher than average purchase 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 to United MileagePlus TravelBank Card:

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

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

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.