We perform a detailed comparison of magnetotunneling in conventional low-T c Nb/Al-AlO x /Nb junctions with that in slightly overdoped Bi 2−y Pb y Sr 2 CaCu 2 O 8+δ [Bi(Pb)-2212] intrinsic Josephson junctions and with microscopic calculations. It is found that both types of junctions behave in a qualitatively similar way. Both magnetic field and temperature suppress superconductivity in the state-conserving manner. This leads to the characteristic sign change of tunneling magnetoresistance from the negative at the subgap to the positive at the sum-gap bias. We derived theoretically and verified experimentally scaling laws of magnetotunneling characteristics and employ them for accurate extraction of the upper critical field H c2 . For Nb an extended region of surface superconductivity at H c2 < H < H c3 is observed. The parameters of Bi(Pb)-2212 were obtained from self-consistent analysis of magnetotunneling data at different levels of bias, dissipation powers, and for different mesa sizes, which precludes the influence of self-heating. It is found that H c2 (0) for Bi(Pb)-2212 is 70 T and decreases significantly at T → T c . The amplitude of subgap magnetoresistance is suppressed exponentially at T > T c /2, but remains negative, although very small, above T c . This may indicate the existence of an extended fluctuation region, which, however, does not destroy the general second-order type of the phase transition at T c .