United Gateway Card vs. Discover it Miles
On the criteria below, United Gateway Card wins 3 of 4. The verdict depends on which criteria matter to you.
United Gateway Card
Chase
Discover it Miles
Discover
United Gateway Card wins 3 of 4 criteria here, making it the stronger all-rounder.
United Gateway Card leads on first-year math, earning ceiling, and travel insurance, while Discover it Miles only ties the rest.
Pick the United Gateway Card if year-one math is your priority.
Who wins what
3 vs 0 (1 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 United Gateway Card
United Gateway Card earns more on its best category (5× vs 1.5×).
- 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×
- 1.5×
- Top categories
- Airfare, Travel, Gas
- Everyday
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- United MileagePlus
- Discover Miles
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.