United MileagePlus Debit Rewards Card by Sunrise Banks. $0/yr annual fee. 10,000-point welcome bonus.
The United MileagePlus Debit Rewards Card is Sunrise Banks's no-annual-fee credit card. The $0/yr annual fee includes a 10,000-point welcome bonus after spending $500 in the first 4 months. Beyond the welcome bonus, here's what the card actually delivers.
Welcome bonus value (year one): ~$120. Annual statement credits: $0. Minus the $0 annual fee = ~$120 in year-one net value before any spending earn.
Best fit: someone building a long-term card portfolio without ongoing cost — the card stays open forever, padding average account age. Skip if: you want premium perks (lounge access, large statement credits, elite status); this card has none.
10,000 points after spending $500 in the first 4 months. At our ~1.2¢/pt valuation, that's roughly $120 in real value.
Yes — there's no annual fee. The card stays open at zero ongoing cost, which makes it a good long-term hold for credit-history length.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Sunrise Banks's product page has the current rate.