Head to head 
United Gateway Card vs. Discover it Cash Back
On the criteria below, United Gateway Card wins 2 of 4. The verdict depends on which criteria matter to you.
United Gateway Card
Chase
Discover it Cash Back
Discover
At a glance
United Gateway Card wins 2 of 4 criteria here, making it the stronger all-rounder.
United Gateway Card leads on first-year math and travel insurance, while Discover it Cash Back only ties the rest.
Pick the United Gateway Card if year-one math is your priority.
Who wins what
2 vs 0 (2 tie)- First-year math United Gateway Card
United Gateway Card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
- Travel insurance United Gateway Card
United Gateway Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $520
- —
- First-year net
- +$520
- +$0
- Peak earning rate
- 5×
- 5×
- Top categories
- Airfare, Travel, Gas
- Rotating Quarterly
- Lounge access
- No
- 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.