Chase Launches New United TravelBank Card

JPMorganChase and United Airlines launched a new credit card, the United TravelBank Card. The target market is the average consumer who wants some travel benefits, without an annual fee.

The basics:

  • Annual fee: $0
  • Signup bonus: $150 TravelBank Cash after $1,000 minimum spend within the first three months
  • Earn 2% per $1 spent on United purchases
  • Earn 1.5% on everything else
  • Earn 25%  on purchases of food and beverages onboard United-operated flights
  • No foreign transaction fees

Important: The card earns TravelBank Cash that can be applied towards United purchases — this is NOT cash nor United Miles. TravelBank Cash is "cash" you can only use on United purchases. 

You can view credit card offers by hovering over the "Credit Card Offers" tab. Click "Travel Credit Cards" and "Show More Results" until you find the card you're looking for. You don't have to use our links, but we're grateful when you do. Thank you for supporting AskSebby!

Signup bonus

The United TravelBank has a signup bonus of $150 TravelBank Cash after $1,000 in spend within the first three months, money that you can only use towards United flights. This comes out to be a 15% return on spend. 

The Chase Freedom, as well as the Freedom Unlimited, offer a $150 signup bonus after $500 in spend within the first three months, which comes out to be a 30% return on spend. You can redeem Ultimate Reward points for statement credits, flights, or transfer them to the Chase Sapphire Preferred or Reserve for a higher return on spend. 

Chase 5/24

One big assumption we're going to make in this post is the card is affected by the Chase 5/24 rule. My reasoning for this is because historically, all United Airlines cards by Chase have been affected by 5/24. 

If you are under 5/24, there are better cards out there for a higher return on spending like the Chase Sapphire Preferred. 

Travel Benefits and Protections

The United TravelBank Cash card offers:

  • Trip cancellation/interruption insurance up to $1,500
  • Secondary collision damage waiver
  • Price protection
  • Purchase protection
  • Extended warranty protection

One of the interesting perks is you get a 25% rebate on all United in-flight purchases, but unless you drink or eat a lot on a plane, it's hard to get good value. 

In case you were wondering, the TravelBank card does not offer free checked bags, priority boarding, or lounge access. 

Who Should Get This Card and Alternatives

One of the reasons to get the United card is because the minimum spend requirement is lower compared to other travel cards. Even with a lower minimum spend, there are better alternatives out there.

I'm not a fan of Capital One, but the QuickSilver card offers the same exact perks, and you can cash out points for statement credit. The QuickSilver card also has no foreign transaction fees.

The Citi Double Cash card also offers 2% cash back on all your purchases, which can be redeemed for a statement credit. 

If you look at the points rewards numbers, there's not a reason to get the United TravelBank over the QuickSilver or Citi Double Cash card because the points earned are not flexible for redemption. 

An interesting approach will be to product change the United MileagePlus card to the TravelBank Cash card if you see value in it. 

What are your thoughts about the United TravelBank Card?

You can view credit card offers by hovering over the "Credit Card Offers" tab. Click "Travel Credit Cards" and "Show More Results" until you find the card you're looking for. You don't have to use our links, but we're grateful when you do. Thank you for supporting AskSebby!