United℠ Club vs Discover it® Cash Back
Side-by-side comparison
| United℠ Club | Discover it® Cash Back | |
|---|---|---|
| Annual fee | $695 | No annual fee |
| Welcome offer | Up to 90,000 bonus miles | Cashback Match, all cash back earned in year 1 doubled |
| Dining | 2x | 1x |
| Groceries | 1x | 1x |
| Gas | 1x | 1x |
| Travel | 2x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $340 | $292 |
| Points type | Locked to United MileagePlus | Cash back only |
| Network | Visa | Discover |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the United℠ Club earns about $340 a year in rewards and the Discover it® Cash Back about $292, valuing every point at a flat 1 cent. The United℠ Club charges $695, but carries about $750 in annual statement credits that offset it for anyone who uses them. The Discover it® Cash Back has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Discover it® Cash Back delivers more total value, about $272 a year more for a typical spender, mostly because it skips the annual fee the other charges. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the United℠ Club currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the United℠ Club if your spending leans toward dining, travel.