Discover it Cash Back vs United Explorer Card
Compare the Discover it Cash Back ($0/yr) against the United Explorer Card ($150/yr) to see which card earns you more rewards based on your spending.
See how the Discover it Cash Back and United Explorer Card stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Discover it Cash Back | United Explorer Card |
|---|---|---|
| Annual Fee | $0 | $150 |
| Sign-Up Bonus | None | 70,000 miles after $3,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Travel Rewards | 1.0% | 2% |
| Dining Rewards | 1.0% | 2% |
| Key Benefits | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. | 2x miles on United purchases, dining, and hotel stays. |
| Issuer | Discover | Chase |
Quick Summary
The Discover it Cash Back has a $0 annual fee (saving you $150/year compared to United Explorer Card).
Both cards have the same base reward rate (1.0%).
Which Card is Better for Your Spending?
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