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Side-by-side

United Club Business Card vs Discover it Cash Back

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/yr; the Discover it Cash Back from Discover at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the United Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,300 more in estimated value) than the Discover it Cash Back's. Get the United Club Business Card first; revisit the Discover it Cash Back after you've earned that bonus.

FeatureUnited Club Business CardDiscover it Cash Back
Annual fee$695$0
Sign-up bonus100,000 miles + 2,000 PQPCashback Match (first year, unlimited)
Bonus value (est.)$1,500$200
Min spend to unlock bonus$5,000 in 3 mo$0 in 12 mo
IssuerChaseDiscover
Card categorybusinesscashback
Best earning category (United)2x1x
Transfer partnersNoneNone
Headline benefits
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
  • 5% rotating categories
  • First-year match
  • No annual fee
  • No foreign tx fees
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Read the full review
Discover it Cash Back
$0/yr · Cashback Match (first year, unlimited)

Editorial take: United Club Business Card

Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.

Editorial take: Discover it Cash Back

The first-year Cashback Match effectively doubles your earnings, someone who earns $300 in cash back gets $600 total. It's the best no-fee first card for building credit with real rewards.

Common questions

Which card has the bigger sign-up bonus, United Club Business Card or Discover it Cash Back?
The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus Cashback Match (first year, unlimited) (~$200) on the Discover it Cash Back.
Is the United Club Business Card's $695 annual fee worth it compared to the Discover it Cash Back?
Premium cards like the United Club Business Card ($695/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ of those credits, the math works. The Discover it Cash Back at $0/yr trades some perks for a lower commitment.
Can I have both the United Club Business Card and Discover it Cash Back?
Yes, since they're from different issuers (Chase and Discover) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the United Club Business Card or the Discover it Cash Back first?
Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Business Card: $5,000 spend in 3 months. Discover it Cash Back: $0 in 12 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.