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Chase United℠ TravelBank Credit Card

Type

Personal

Credit Rating

Excellent

Annual Fee

Reward Type

Cash Back

SigUp Bonus

Yes

Main Credit Card Features

Rewards

No Annual Fee

Chase United℠ TravelBank Credit Card Key Benefits:

Primary cash back categories:

Travel

How Cash Back Credit Cards Work

Cash back rewards occur when a credit card company gives a small percentage of the purchase back to the customer. Most companies offer cash back between 1-3%, with certain cards offering as much as 6% back. Cash back may be flat-rate, multi-tier, or revolving categories. Rewards come in two primary forms. With an actual cash back rebate, the cash value of the rewards is added to your account. The other type of reward is where your purchases accumulate points. As the customer, you have to initiate the exchange of the points for cash.

Your rebate is redeemed as a check, placed in an account, or more commonly as a statement credit. Using a statement credit, you will not physically receive cash. Instead, the credit card company transfers the “cash” to pay a portion of your credit card bill. How you receive your cash back is described in your credit card agreement.

Cash back takes one or two billing cycles to become applicable and is only redeemable after meeting a minimum threshold. This is done to ensure your account standing is good before the cash back is paid. Cash back cards generally have smaller sign-on bonuses, but lower spending thresholds, than other rewards cards. They are appealing because rewards are simpler to redeem with cash back, and can be received in more ways. When applicable, annual fees are usually $100 or less. Cash back is not subject to devaluation like other rewards programs.

How No Annual Fee Credit Cards Work

A no annual fee credit card is excellent as a backup credit card as you don’t need to pay to maintain it. You might need a backup credit card if your primary one got lost or stolen. Another benefit of a no annual fee credit card is that you can improve your credit to debt ratio if you don’t use it consistently. You may also consider this card if you are looking for a specific perk.

Chase United℠ TravelBank Credit Card Fees and rates

Annual Percentage Rate (APR)

APR for Purchases 17.49% to 24.49%

APR for Balance Transfers 17.49% to 24.49%

APR for Cash Advances 26.49%

Minimum Interest Charge None

Grace Period 21 days

Transaction Fees

Balance Transfer Transaction Fee

Either $5 or 5% of the amount of each transfer whichever is greater.

Calculate your potential balance transfer fee after months

Cash Advance Transaction Fee

Either $10 or 5% of the amount of each transaction whichever is greater

Calculate your potential cash advance fee

Foreign Transaction Fee

None

Foreign Purchase Transaction Fee

None

Penalty fee

Late Payment Up to $39

Returned Payment Fee Up to $39

Overlimit Fee None

Data Accuracy: We manually collected the data on credit card from official website of Chase® Bank. hen collecting the data, we make the best effort to be as accurate as possible, but the information is not guaranteed. We advise you visit Credit Card issuer’s website for the latest info. Empty fields indicate that information isn't available to financialfreedom.com team. Full terms and conditions. None of the information here was endorsed or reviewed by Credit Card issuer.

Chase United℠ TravelBank Credit Card Reward Program

Earn 2% in TravelBank cash per $1 spent on tickets purchased from United.
Earn 1.5% in TravelBank cash per $1 spent on all other purchases.
$1 in TravelBank cash = $1 when used toward the purchase of a ticket on flights operated by United.

Our cashback calculator is a simple-to-use way to see how much cashback you can earn from everyday spending each year. Use this calculator with your current card, or to investigate a new card to add to your wallet.

Chase United℠ TravelBank Credit Card Cash Back Calculator

How to Use Our Cash Back Calculator

Enter how much you spend a month in each category listed below. To calculate this amount, refer to your last three credit card statements. Write down all the credit card purchases you’ve made corresponding to each category; then add them up, and divide that number by three. Use these numbers to fill in each category, then click “Calculate”.

Understanding the Results

The calculator will provide you with two blocks with results generated from your input data. Your results would have considered any sign-up bonuses you would receive and the annual fee you’d pay.

First Year Results

Your first-year results show you what to expect for the first 12 months of owning the card. They include:

Sign up bonus. The one-time incentive to open and use the card. It would be subjected to certain limitations, as described by your credit card agreement.
Annual fee. What you’ll pay to use the card. It is charged once a year to your credit card statement.
Spending reward. The amount that you could potentially earn each year based on how much you spend in each category monthly. It does not include either the sign-up bonus or the annual fee.
Total Net Reward. The real value of your annual cash back Total Net Reward = Spending Reward + Sign-up Bonus – Annual Fee. Its value can be diminished if you don’t pay your credit card balance in full each month.
Real cashback The total net reward displayed as a percentage. You can use it to compare between cards and select the card with the biggest percentage.

Consecutive Years Results

This tells you what you can expect after the first year, using almost all the same metrics. (The sign-up bonus would not be used.) It uses the same calculations as the first year.

The Bottom Line

The card to choose would give both the highest total net reward and highest real cashback percentage. This would indicate that you’re getting the most benefits from the card. Don’t forget, this calculator is to only show what you could possibly earn from your rewards credit card. The amount you’ll earn is dependent on several factors, including how you manage your credit card account.

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First Year

Signup Bonus
Annual Fee
Spending Reward
Total Net Reward
Real Cash Back Percentage

Consecutive Years

Annual Fee
Spending Reward
Total Net Reward
Real Cash Back Percentage

Main Rewards Category 1 Travel

Sign Up Bonus: $150 in United TravelBank cash after you spend $1000 on purchases in the first 3 months from account opening.

Extra Rewards

Limit to the Amount of Rewards No Limit

Redeem My Rewards

You can watch your TravelBank cash add up in your account on united.com and use it whenever you like on United tickets purchased directly from the airline.

Automatic Redemption Preference Yes

Rewards Program URL https://static.chasecdn.com/content/dam/card/rulesregulations/en/RPA0383_Web.pdf

Rewards Expire No

Fee Benefits

Insurance Benefits

Security Benefits

Sign Up Benefits

Travel Benefits

Credit Score Needed For Chase United℠ TravelBank Credit Card

Your best chance of being approved for this credit card involves having a credit score 751 - 850. Having your credit score in this range does not guarantee approval. There are still other factors besides credit score that determine if you will qualify for this card.

850

DISCLAIMER: For the educational purposes at FinancialFreedom.guru we use FICO® Score 8 scale system to estimate recommended Credit Score. There are many other scoring systems that a particular lender might use. A credit score is only one of the factors that lenders take into account and the recommended score does not guarantee approval.