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Side-by-side

United Club Business Card vs Discover it Miles

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/yr; the Discover it Miles 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 ($1,050 more in estimated value) than the Discover it Miles's. Get the United Club Business Card first; revisit the Discover it Miles after you've earned that bonus.

FeatureUnited Club Business CardDiscover it Miles
Annual fee$695$0
Sign-up bonus100,000 miles + 2,000 PQPUnlimited Miles Match (entire first-year miles doubled)
Bonus value (est.)$1,500$450
Min spend to unlock bonus$5,000 in 3 mo$0 in 12 mo
IssuerChaseDiscover
Card categorybusinesstravel
Best earning category (United)2x1x
Transfer partnersNoneNone
Headline benefits
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
  • 1.5x everywhere
  • First-year match = 3x
  • 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 Miles
$0/yr · Unlimited Miles Match (entire first-year miles doubled)

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 Miles

A rare card that effectively earns 3x in year one (1.5x + match). Miles aren't transferable, but the simplicity + first-year match make this a strong starter travel card.

Common questions

Which card has the bigger sign-up bonus, United Club Business Card or Discover it Miles?
The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus Unlimited Miles Match (entire first-year miles doubled) (~$450) on the Discover it Miles.
Is the United Club Business Card's $695 annual fee worth it compared to the Discover it Miles?
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 Miles at $0/yr trades some perks for a lower commitment.
Can I have both the United Club Business Card and Discover it Miles?
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 Miles 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 Miles: $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.