# United Debit Rewards Card — user reviews > 44 indexed App Store user reviews of United Debit Rewards Card by SoFi Technology Solutions, LLC, rated 4.40/5 from 466 ratings. - Source: https://appshunter.io/ios/app/united-debit-rewards-card/id6747778862/reviews - App overview in markdown: https://appshunter.io/ios/app/united-debit-rewards-card/id6747778862.md - Rating breakdown: 5★ 379 · 4★ 10 · 3★ 7 · 2★ 12 · 1★ 58 ## Newest reviews (14 of 44) ### 2/5 — Cumbersome and needs improvements *2026-08-14* THE GOOD: I actually like the card. Once you make a transfer one time FROM YOUR BANK APP (I have Capital One), the rest will only take one day to reach the United Debit account. If you have Apple Pay, you instantly add money to your card from you Apple Cash. So I haven’t had any problems putting money on the card. And it’s fun to see the miles increase (when they finally do.) THE BAD: The app does not show you how many miles you’ve received per transaction. Doesn’t show it in the app; and it doesn’t even give you total for the month on the bank statement!! You have to literally calculate each transaction for yourself, then add it up to see if you received the miles. Which is extremely hard to do because the miles take DAYS to be adding to the miles tracker. So there no way to know what or if you’ve actually received mikes from all your qualified tractions. THIS NEEDS TO CHANG!!! Show what we’ve earned per transaction in the app AND on the statements. **Developer response:** We’re sorry to hear about your experience and appreciate your feedback. Your input helps us continue to improve. For account assistance or questions about miles earned, please contact United MileagePlus® Debit Card Services at 1-800-507-0476. ### 1/5 — Your money is no longer yours *2026-03-03* 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. **Developer response:** 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. ### 1/5 — Pretty inconsistent customer service *2026-03-02* 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. **Developer response:** 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. ### 1/5 — Nightmare Experience on the Simple Part *2026-03-02* 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. **Developer response:** 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. ### 1/5 — Useless *2026-02-27* 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???? **Developer response:** 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. ### 2/5 — Poor design and function *2026-02-25* 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. **Developer response:** 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. ### 1/5 — Trash Card and Bank - DO NOT GET *2026-02-14* 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. **Developer response:** 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. ### 1/5 — Limited Functionality and Support *2026-02-12* 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. **Developer response:** 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. ### 1/5 — Trash Card and Bank *2026-01-29* 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. **Developer response:** 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. ### 2/5 — Transfer *2026-01-29* I tried to make transfer from my checking account Bank of America and I tried in 3 different days and. The money from my account was transferred back to my bank,after 3 days on every time I called the bank and the only reason they will look into it and still today no response is very disappointing the only way was from my PayPal account that was the only way, I am scared to do a direct deposit for my check and then gets rejected and then I have to suffer to get paid from my company it’s very frustrating so I opted only from PayPal it’s the safest option 🥺🥺🥺 **Developer response:** We’re sorry to hear about your experience and understand how frustrating that must be. Bank transfers can occasionally be returned due to account or verification issues, and we want to make sure this is properly reviewed. For assistance with your specific transfers and to help ensure direct deposits work as expected, please contact United MileagePlus® Debit Card Services at 1-800-507-0476. A representative can review your account and provide guidance before you set up direct deposit. ### 1/5 — Still no miles *2026-01-28* Zero miles for transactions, no sign up bonus, despite being compliant with the terms and such. Shame on United for partnering with this negligent financial institution. **Developer response:** We’re sorry to hear about your experience. Miles are awarded based on eligible transactions and posting timelines, and in some cases may not appear immediately. A sign-up bonus is also subject to specific terms and qualification requirements. To review your account and ensure everything is applied correctly, please contact United MileagePlus® Debit Card Services at 1-800-507-0476 so a representative can assist you directly. ### 1/5 — Unable to update *2026-01-28* Unable to update **Developer response:** Thanks for letting us know, sorry for the inconvenience. Please try uninstalling the app and then re-downloading it from the app store, as this typically resolves the update loop issue. If the problem continues, please contact United MileagePlus® Debit Card Services at 1-800-507-0476 and they’ll be happy to help get things sorted. ### 1/5 — Problems with Update *2026-01-28* Keeps telling me to update. Then when you go to update it says it is updated and click open. When you do that it goes right back to the Update Now page. Also sent me a physical card that has a different number than the virtual card **Developer response:** Thanks for letting us know, sorry for the inconvenience. Please try uninstalling the app and then re-downloading it from the app store, as this typically resolves the update loop issue. If the problem continues, please contact United MileagePlus® Debit Card Services at 1-800-507-0476 and they’ll be happy to help get things sorted. ### 1/5 — Worst Banking Ever *2026-01-22* I love United and I love getting the free miles, but I am very surprised that they would partner with such a terrible bank. Everything else you’ve seen on the other reviews is true. The hold money, you cannot initiate transfers from within the app, they “don’t know what the money is”, and it’s overall just very lacking and frustrating to work with. This is my first month and I’m still trying to fund it, I am hopeful that once I’m able to set up scheduled transfers I’ll just have my bills come out of there and make some miles, but the only thing that’s making me hold is the fact that it’s UNITED. Update Jan 20th: Account funded, impossible to set up autopay with most companies and direct deposit takes a day to process. I have closed the account. **Developer response:** Thank you for taking the time to share your experience. We’re sorry for the frustration you’ve encountered with funding and transfers, and we understand how disappointing this has been, especially as a United customer. Your feedback has been shared with our team and partners, and we’re actively working to improve the app experience and transfer capabilities. We appreciate your patience and hope we can earn your confidence as improvements are made. ## Most critical reviews (10 lowest-rated) ### 1/5 — Terrible app *2026-07-07* This app is ridiculous! Every time I upgrade it continuously gives me an error to “upgrade to use the app”. The card itself is ridiculous too! They’ve locked it multiple times for usual transactions that I’ve done. They locked me also when I tried booking a delta flight. They were probably just angry that I went with a better airline. They also lied. When I considered this I checked to see if there were foreign transaction fees. It said no, only to find that they do charge fees. **Developer response:** Sorry to hear you’ve had difficulty signing in and updating the app — 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. ### 1/5 — Stopped Earning Miles 5/26 No Support *2026-06-30* In May 2026, after earning almost 13k miles my account stopped earning miles. No explanation. Multiple calls to both United and United Debit. I continue to make the identical recurring transaction that used to earn me 700 miles/month. No miles for my average account balance. Monthly statements lack information about miles accrual. Also had issues where the monthly fee was deducted automatically even when I was over the account minimum. Not sure this card is worth. **Developer response:** We’re sorry to hear about your experience and understand how stressful this must be, especially with a large transfer. ACH transfers can sometimes be held for review or verification, but your funds should not be lost. The next best step is to contact the United MileagePlus® Debit Card Services team at 1-800-507-0476. They can locate your transfer, confirm its status, and escalate if needed. The team is ready to assist and help resolve this. ### 1/5 — No Apple Pay *2026-04-28* 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. **Developer response:** 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. ### 1/5 — Don’t bother!!! *2026-04-10* 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. **Developer response:** 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. ### 1/5 — Having issues with seeing my acct *2026-03-31* 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 **Developer response:** 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. ### 1/5 — Cannot reset password *2026-03-30* 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. **Developer response:** 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. ### 1/5 — Not worth the miles *2026-03-26* 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 **Developer response:** 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. ### 1/5 — Many app issues *2026-03-26* 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. ### 1/5 — No instant deposits *2026-03-25* 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. **Developer response:** 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. ### 1/5 — Pointless and maddening *2026-03-15* 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 **Developer response:** 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. ## Most praised reviews (10 highest-rated) ### 5/5 — Love the app and rewards! *2026-05-07* Enjoying this card so far. Looking forward to all the rewards from this summers travels! **Developer response:** 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! ### 5/5 — Great app *2026-03-11* Love that I can now use my debit card to earn miles. **Developer response:** 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! ### 5/5 — Great app *2026-03-11* Great app! Easy to use and flows well! **Developer response:** 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. ### 5/5 — App is pretty straightforward *2026-01-20* No issues so far with the app. It’s pretty nice that I can get rewards for my occasional debit card purchases. **Developer response:** 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. ### 5/5 — A simple way to earn miles *2025-11-11* Easy setup and solid rewards for those who want more control. Miles can be earned through spend and save. App is easy to navigate. **Developer response:** 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. ### 4/5 — Unable to use app *2026-03-26* App states to update but already have latest version and have uninstalled and reinstalled with no success. **Developer response:** 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. ### 4/5 — Password *2026-01-14* Never accepts my password even after resetting many times… frustrated **Developer response:** 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 ### 3/5 — It could have more features *2026-01-07* The cards pretty decent apps functions well but like what about savings accounts that pretty critical would love to take the plunge use them as main bank but idk. It would be cool to have a metal card option as well **Developer response:** Thank you for the feedback! We’re glad the app is working well for you. We’ve shared your interest in savings accounts and a metal card option with our team as we continue to improve the experience. We appreciate you taking the time to share your thoughts. ### 3/5 — Good *2025-11-28* The United Debit rewards card is good for people who want to earn miles, unfortunately it’s very low but if you use it for everything, you can get a decent amount of miles with no caps. I wish the app would tell you in the transaction. how many miles you earned for that particular transaction would be a nice feature in the future. The whole direct deposit page works only for certain employers, my employer doesn’t participate in that particular direct deposit, but you are able to set it up manually with your account and routing number found under the settings. **Developer response:** Thank you for your thoughtful feedback! We’re glad to hear you’re finding value in earning miles with the United Debit Rewards Card. Noting miles earned per transaction is a great suggestion, and we’ll share this with our team as we continue to enhance the app experience. We also appreciate your tips on the direct deposit setup, your insights help us understand how to make the program more seamless for all users. ### 3/5 — Not bad *2025-11-11* Liking the program so far even though it just started. Ran into a major hookup today though. That being you can’t link the card to Venmo! With Venmo being so ubiquitous you would think that would be something that they would have had day one --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-05.*