United Debit Rewards Card User Reviews

Name: United Debit Rewards Card
Rating: 4.24523 (367 reviews)

United Debit Rewards Card

Galileo Financial Technologies, LLC

💰 Finance

Customer Experience

Positive experience17.1% of reviews

Neutral7.3% of reviews

Negative experience75.6% of reviews

~ Based on 41 written reviews from the US App Store.

Is United Debit Rewards Card Safe?

United Debit Rewards Card appears mostly safe based on user ratings. AppsHunter Safety Score for United Debit Rewards Card is 84/100.

This assessment is based on 367 user ratings, with an App Store average of 4.2/5.

Safety Analysis

21.9% of ratings point to a safe experience

6.3% of ratings suggest some concerns

71.9% of ratings point to a risky experience

~ Based on 32 App Store ratings for United Debit Rewards Card.

Is United Debit Rewards Card Legit?

United Debit Rewards Card appears legitimate, with a few gaps. AppsHunter Legitimacy Score for United Debit Rewards Card is 70/100.

Based on 70 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Most Recent Highest Rated Lowest Rated

Love the app and rewards!

Enjoying this card so far. Looking forward to all the rewards from this summers travels!

Via2026

3 months ago

Response from developer

Thanks so much for the great feedback! We’re thrilled to hear you’re enjoying the card so far. Wishing you safe travels this summer and lots of great rewards along the way. Thanks for being part of the United Airlines MileagePlus® Debit Card family!

No Apple Pay

The premise of this card is solid. I’ve used it a ton since I got it. However, don’t expect to be able to use it to transfer money via Apple Pay, Venmo, cash app, PayPal, etc. The bank this card uses flags it as fraud, and the customer service agents can’t seem to comprehend the problem.

themattphelps

3 months ago

Response from developer

Thank you for your feedback, we’re glad to hear you’ve been getting good use out of the card, though we understand how frustrating the transfer limitations can be. We appreciate you bringing this to our attention. For further assistance, please contact United Airlines MileagePlus® Debit Card Services at 1-800-507-0476 so our team can review your experience and help address your concerns.

Don’t bother!!!

This bank and this account is one of THE worst I have ever opened!!! They asked me to send in a copy of my ID for verification and I did, they let me use the account for 2-3 months just to turn around and block me using the account all of a sudden and to say they needed ID again and a phone bill because they couldn’t verify me! They will hold any monies you have in the account and take over 2 weeks to send an email to say what the problem is, not a letter via the mail and then proceed to say it will take another 3-4 weeks to send me my money back after they’ve been holding it for 2 weeks now if I just have the account closed and charge me a $5 fee for closing the account. This whole rollout for this rewards debit account has been nothing but one problem after another and clearly was not thoroughly vetted or thought out before presenting it to the public. Don’t waste your time with this, either get the credit card or book a flight for points or either shop through the UA portal but for the love of everything, steer clear of their checking account, oh and lastly, those bonus 10k points are a joke too.

TravelDiva72

4 months ago

Response from developer

Thank you for taking the time to share this. We understand how frustrating and disruptive this experience must have been. For security and regulatory reasons, banks are required to verify customer identity, and in some cases additional documentation may be requested later if something can’t be fully confirmed or if new information needs to be validated. That said, we recognize how concerning it is to be asked for more verification after already using your account, along with the delays and impact to your funds. This is not the experience we aim to provide, and we’d like the opportunity to review your situation and help resolve it as quickly as possible. Please contact United Airlines MileagePlus® Debit Card Services at 1-800-507-0476 so we can assist further.

Having issues with seeing my acct

I am having issues with seeing my account when I go to reset my password the screen is absolutely white and it does not give me the option to move forward even when I hear the cache and the history

Mad customer2026

4 months ago

Response from developer

Sorry to hear you’ve had difficulty signing in, that’s not the experience we want for our members. Please reach out to United MileagePlus® Debit Card Services at 1-800-507-0476, and our team can walk you through getting back into your account.

Cannot reset password

Literally cannot reset my password. The page goes white even on the app. I tried on multiple web browsers and as well and cleared my cache. Everytime I call I am on hold forever and I do not have that kind of time. I even live chatted and the guy said he would send me to the right people then they didn't even answer my questions. United if you see this, is there someone who I can sene screenshots of my chat to? The person straight up didn't read my messages.

usaoh1776

4 months ago

Response from developer

Not worth the miles

The app is very slow and not user friendly. If you try to transfer money to a different bank there is a 2 day hold and no Zelle( I assume they don’t want to pay for it). Overall much better options for banking and then just link your cards to your mileage account to get points. This bank is trash

WMD review

4 months ago

Response from developer

We’re sorry to hear about your experience and appreciate you taking the time to share your feedback. Your input helps us continue to improve. If you need additional assistance with your account, please contact United MileagePlus® Debit Card Services at 1-800-507-0476.

Unable to use app

App states to update but already have latest version and have uninstalled and reinstalled with no success.

MB1185

4 months ago

Response from developer

We’re sorry you experienced trouble using the app. Please contact United MileagePlus® Debit Card Services at 1-800-507-0476, and we’ll be happy to help resolve the issue quickly.

Many app issues

App hardly works. Currently, it’s telling me there is an update and won’t let me log in. FYI, I have the latest version from the App Store.

Rbird2023

4 months ago

No instant deposits

There is no way to make instant deposits with this account, this day and age you should be able to make instant deposits via Cash App, Apple Pay, cash deposits at Walgreens/walmart or debit card etc. The lack of this feature makes this account difficult.

Byzcath88

4 months ago

Response from developer

We appreciate your feedback and understand how important instant deposit options are, especially for everyday banking needs. We’re sorry for the inconvenience this has caused. For assistance and to discuss available options, please contact United Airlines MileagePlus® Debit Card Services at 1-800-507-0476, our team will be happy to help.

Pointless and maddening

Impossible to fund, they hold your funds for a week once you send them, and the card doesn’t get you any of the United Credit Card privileges.
I closed it within a month. Save yourself the hassle

Noodles'mcGee

4 months ago

Response from developer

Thank you for your feedback. We’re sorry to hear about your experience with funding and the card features. If you’d like assistance or have questions about your account, please contact United Airlines Debit Card Services at 1-800-507-0476. The team can review your account and help address your concerns.

Great app

Love that I can now use my debit card to earn miles.

CS_40

5 months ago

Response from developer

Thank you for the great feedback! We’re glad to hear you’re enjoying the ability to earn miles using your debit card. We appreciate you sharing your experience and hope you continue enjoying the benefits of the card!

Great app

Great app! Easy to use and flows well!

Macstarter786

5 months ago

Response from developer

Thank you for the kind words! We’re thrilled to hear you’re enjoying your United MileagePlus® Debit Card experience. Your feedback means a lot and inspires us to keep improving.

Your money is no longer yours

There is barely any benefit from using this card. I can’t deposit cash. I can’t even take money out of this account. I can only use it for transactions like a credit card and I pay $4 monthly fee if the balance goes below $2k. Transactions don’t show up real time and can’t use digital wallet for cash withdrawal.

Adam@Eve

5 months ago

Response from developer

We’re sorry to hear about the challenges you’ve experienced using the card and understand how frustrating these limitations can be. For assistance with account features, transactions, or any questions about fees, please contact United Airlines Debit Card Services at 1-800-507-0476. Their team can review your account and help provide guidance.

Pretty inconsistent customer service

Due to conflicting information from your customer service team regarding the $4 monthly fee, I’ve lost confidence in the transparency of your service. I’ll be canceling and deleting the app.

One rep told me it probably won’t charge me the fee and could not give me a definitive date on when it would get charge. The other rep said it could not be avoided and the first month is normally charged.

Lack of transparency looses trust from the users folks. United chose a small player in the banking world.

macaroonsjj

5 months ago

Response from developer

We’re sorry to hear about the confusion regarding the $4 monthly fee and understand how that could affect your trust in the service. For any questions about your account, including fees or cancellation, please contact United Airlines Debit Card Services at 1-800-507-0476. Their team can provide clear guidance and help address your concerns.

Nightmare Experience on the Simple Part

I tried to set up an account and kept getting error messages. Then I received an email that my card was on its way with an invitation to access the online account, but none of the “forgot username” or “reset password” options would send me the information to log in. I called in twice and asked for support, and I was told someone would be back in touch with me; I have heard nothing for two weeks so far. I will cancel this immediately. I was so hopeful for a decent product for purchases that do not accept my Chase credit card, but the reviews on every platform sound like it’s a universally frustrating experience.

brown069

5 months ago

Response from developer

We’re sorry to hear about the trouble you’ve had setting up your account and the delays in support, we understand how frustrating this must be. Please contact United Airlines Debit Card Services at 1-800-507-0476 for assistance with account access and login issues. Their team can help get you set up and address any errors you’ve encountered.

Useless

Since receiving this card, I’ve had nothing but trouble. Every other transaction is declined and I’ve had to call Customer Service on numerous occasions. They tell me the same thing every time… that the transaction was flagged as high risk. Every single time I call, I am reassured that the issue is resolved and those transactions will go through in the future. What’s funny is I tried to book a UNITED flight, using my UNITED DEBIT CARD and it was flagged high risk. This card is a joke. I got it so I could use it and get more miles but what’s the use of getting this card if I can’t use it????

Card is useless!

5 months ago

Response from developer

Thank you for sharing your feedback. We’re sorry to hear about the repeated issues and the need to contact customer service multiple times, we understand how frustrating that can be. If the issue continues, please contact United Airlines Debit Card Services at 1-800-507-0476 so their team can review the high-risk transaction flags and assist you. We will also look further into this on our side to help identify any patterns with repeated transactions being flagged and work toward a resolution.

Poor design and function

You will be signed out almost daily. Biometric authentication will expire way too fast. When they text you a verification code, it doesn’t enter automatically into the app properly like on other apps.

Basically, it’s not smooth to use. It’s a crudely designed and executed app.

Rob in phx

5 months ago

Response from developer

Thank you for sharing your feedback, we understand how frustrating this must be. For assistance with your United℠ MileagePlus® Debit Card account and app issues, please contact United MileagePlus® Debit Card Services at 1-800-507-0476. The team can help get things working smoothly.

Trash Card and Bank - DO NOT GET

The card is trash. Doesn’t work with mobile wallets, doesn’t allow instant transfers from Cash App, Zelle , PayPal or Apple Wallet. There’s no where to deposit actual cash like Walmart or CVS / Walgreens. It amazes me United went with such a TERRIBLE banking option when all their credit cards are through Chase. I’m a loyal United member but I refuse to use this card.

I tried to do a regular ach transfer from my Chase account and my USAA account, both were rejected and returned. I also added the United account for my direct deposit to test it with $10 from my check, it was also declined by Sunrise…my job literally had to give me a check for $10.00…

United needs to drop Sunrise bank ASAP.

imak3bigboinois3

5 months ago

Response from developer

We’re sorry you experienced trouble using the app. Our team is always working to make your experience smoother and more reliable. Please contact United MileagePlus® Debit Card Services at 1-800-507-0476, and we’ll be happy to help resolve the issue quickly.

Limited Functionality and Support

I was approved for the card after a long application process. The card requires maintaining a $2,000 balance to avoid the monthly fee. It’s very difficult to load the account as they don’t offer recurring instant reloads via debit card and have a $500 monthly deposit limit for deposits initiated within the app. The United Rewards debit account does not support Plaid, Mastercard Data Connect, MX, etc so it’s not possible to link instantly via your external bank account. You also may have trouble with manual linking. I tried initiating a deposit externally but the external bank’s micro-deposit verification was rejected by the United debit card bank partner with ACH return code R17 (suspicious activity). A United debit card support agent escalated the issue after extensive discussion of the issue - the agent didn’t see any issues on their end - and I never heard back. I’ve had similar issues with not getting a prompt response after an issue is escalated. The escalated support is not available over the phone, chat, or secure email and cannot directly be reached. Overall, not worth the trouble.

🧍‍♂️ Avi

5 months ago

Response from developer

Thank you for taking the time to share your experience, we’re sorry to hear about the challenges you’ve encountered. We’d like the opportunity to review your account and help resolve this as quickly as possible. Please contact United MileagePlus® Debit Card Services at 1-800-507-0476, and our team will be happy to assist you directly.