Discover it® Cash Back vs United Business
Discover it® Cash Back
$0/yr
7.0/10
VS
United Business
$150/yr
6.0/10
Quick Answer
Discover it® Cash Back charges no annual fee with 1X base rewards. United Business charges $150/yr with 1X base rewards. Discover it® Cash Back offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Discover it® Cash Back →
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Winner by Category
Annual Fees
Discover it® Cash Back
Lower annual fee ($0 vs $150)
Rewards Earning
United Business
6 earning categories
Benefits & Protection
Discover it® Cash Back
8 benefits vs 0
Statement Credits
United Business
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Discover it® Cash Back wins for most people
The $150 fee difference is hard to justify unless you maximize premium benefits.
Apply for Discover it® Cash BackPREMIUM PICK
United Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United BusinessRewards Earning: Detailed Comparison
Discover it® Cash Back
| Rotating 5% Categories | 5.0X (up to $1,500) |
| Everything Else | 1.0X |
United Business
| United Airlines purchases | 2.0X |
| Dining | 2.0X |
| Hotel stays | 2.0X |
| Gas stations | 2.0X |
| Office supply stores | 2.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Discover it® Cash Back (8 benefits)
- Rental Car Collision Damage Waiver
- Purchase Protection (up to $500)
- Extended Product Warranty
- Extended Warranty Protection
- Return Protection (up to $500)
- $0 Fraud Liability Guarantee
- Free FICO® Credit Score
- Freeze It® Card Lock
United Business (0 benefits)
No benefits data available