Editorial take: United Club Infinite Card
Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.
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Side-by-side
United Club Infinite Card vs Discover it Cash Back
Both are well-respected travel cards. The United Club Infinite 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 Infinite Card is the stronger pick today, the sign-up bonus is meaningfully larger ($920 more in estimated value) than the Discover it Cash Back's. Get the United Club Infinite Card first; revisit the Discover it Cash Back after you've earned that bonus.
| Feature | United Club Infinite Card | Discover it Cash Back |
|---|---|---|
| Annual fee | $695 | $0 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | Cashback Match (first year, unlimited) |
| Bonus value (est.) | $1,120 | $200 |
| Min spend to unlock bonus | $5,000 in 3 mo | $0 in 12 mo |
| Issuer | Chase | Discover |
| Card category | travel | cashback |
| Best earning category (United) | 4x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)
Read the full review
Discover it Cash Back
$0/yr · Cashback Match (first year, unlimited)
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 Infinite Card or Discover it Cash Back?
- The United Club Infinite Card has the bigger bonus, 80,000 miles (up to 90,000 with authorized user), worth roughly $1,120, versus Cashback Match (first year, unlimited) (~$200) on the Discover it Cash Back.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the Discover it Cash Back?
- Premium cards like the United Club Infinite 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 Infinite 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 Infinite Card or the Discover it Cash Back first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Infinite 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.