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 Miles
Both are travel travel cards. The United Club Infinite 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 Infinite Card is the stronger pick today, the sign-up bonus is meaningfully larger ($670 more in estimated value) than the Discover it Miles's. Get the United Club Infinite Card first; revisit the Discover it Miles after you've earned that bonus.
| Feature | United Club Infinite Card | Discover it Miles |
|---|---|---|
| Annual fee | $695 | $0 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | Unlimited Miles Match (entire first-year miles doubled) |
| Bonus value (est.) | $1,120 | $450 |
| Min spend to unlock bonus | $5,000 in 3 mo | $0 in 12 mo |
| Issuer | Chase | Discover |
| Card category | travel | travel |
| 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 Miles
$0/yr · Unlimited Miles Match (entire first-year miles doubled)
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 Infinite Card or Discover it Miles?
- The United Club Infinite Card has the bigger bonus, 80,000 miles (up to 90,000 with authorized user), worth roughly $1,120, versus Unlimited Miles Match (entire first-year miles doubled) (~$450) on the Discover it Miles.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the Discover it Miles?
- 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 Miles at $0/yr trades some perks for a lower commitment.
- Can I have both the United Club Infinite 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 Infinite Card or the Discover it Miles 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 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.