United℠ TravelBank
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How we calculate effective rate →
The United℠ TravelBank from Chase earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x miles.
What does the United℠ TravelBank earn in each category?
Dining is the strongest category at 0% effective value (0x miles at about 1.2 cents each). That dining rate ranks higher than about 0% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United℠ TravelBank compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x miles at about 1.2 cents each). That dining rate ranks higher than about 0% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United℠ TravelBank compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x miles | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x miles | 0% |
| Gas Gas stations and fuel | 0x miles | 0% |
| Travel Flights, hotels, transit | 0x miles | 0% |
| Other General everyday spend | 0x miles | 0% |
Madeen values United MileagePlus at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the United℠ TravelBank?
The United℠ TravelBank fits spenders who put meaningful volume in dining and can earn 0x miles. Best for spenders who put meaningful volume in dining and can earn 0x miles.
United℠ TravelBank fits spenders who put meaningful volume in dining and can earn 0x miles. Madeen ranks its dining effective rate higher than about 0% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x miles.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x miles).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- United MileagePlus value depends on how you redeem, not straight cash back.
Does the United℠ TravelBank have an annual fee?
The United℠ TravelBank has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the United℠ TravelBank?
The United℠ TravelBank includes Extended Warranty, Rental Insurance in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrUp to 1 additional year on original manufacturer's warranty of 3 years or less.
Rental Insurance
$25/yrCoverage for damage to or theft of a rental vehicle. Must decline the collision damage waiver (CDW) at the counter. Coverage is secondary to personal insurance.
Related encyclopedia topics
Common questions about the United℠ TravelBank
How to use $100 United TravelBank credit?
To maximize the United℠ TravelBank, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
Is the United travel credit card worth it?
The United℠ TravelBank from Chase earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
How much money is 50,000 United points worth?
Dining is the strongest Madeen category for the United℠ TravelBank at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the United℠ TravelBank have an annual fee?
The United℠ TravelBank carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the United℠ TravelBank?
Dining is the strongest Madeen category for the United℠ TravelBank at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the United℠ TravelBank charge foreign transaction fees?
The United℠ TravelBank does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
How does the United℠ TravelBank compare to similar cards?
Compare the United℠ TravelBank against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
United℠ TravelBank This card | Dining | 0% | $0 |
| Dining | 4.5% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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