United Club Infinite Card vs. Discover it Chrome
On the criteria below, United Club Infinite Card wins 4 of 5. The verdict depends on which criteria matter to you.
United Club Infinite Card
Chase
Discover it Chrome
Discover
United Club Infinite Card wins 4 of 5 criteria here, making it the stronger all-rounder.
United Club Infinite Card wins on first-year math, earning ceiling, lounge access, and travel insurance; Discover it Chrome wins on annual fee.
Pick the United Club Infinite Card if year-one math is your priority; take the Discover it Chrome if you want a cheaper card to keep long-term.
Who wins what
4 vs 1- First-year math United Club Infinite Card
United Club Infinite Card wins on bonus value minus annual fee.
- Annual fee Discover it Chrome
Discover it Chrome is $695 cheaper to keep.
- Earning ceiling United Club Infinite Card
United Club Infinite Card earns more on its best category (11× vs 2×).
- Lounge access United Club Infinite Card
United Club Infinite Card includes lounge access; the other doesn't.
- Travel insurance United Club Infinite Card
United Club Infinite Card carries built-in travel insurance.
By the numbers
- Annual fee
- $695
- Free
- Welcome offer (typical value)
- $1,170
- —
- First-year net
- +$475
- +$0
- Peak earning rate
- 11×
- 2×
- Top categories
- Airfare, Travel, Hotels Resorts
- Gas, Dining
- Lounge access
- United Club
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- United MileagePlus
- Discover Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.