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Side-by-side
Capital One Spark Cash Plus vs United Club Business Card
Both are business travel cards. The Capital One Spark Cash Plus comes from Capital One at $150/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,500 more in estimated value) than the Capital One Spark Cash Plus's. Get the United Club Business Card first; revisit the Capital One Spark Cash Plus after you've earned that bonus.
| Feature | Capital One Spark Cash Plus | United Club Business Card |
|---|---|---|
| Annual fee | $150 | $695 |
| Sign-up bonus | $4,000 cash bonus | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | - | $1,500 |
| Min spend to unlock bonus | - | $5,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | business | business |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Capital One Spark Cash Plus
$150/yr · $4,000 cash bonus
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Editorial take: United Club Business Card
Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash Plus or United Club Business Card?
- The United Club Business Card has a public bonus (100,000 miles + 2,000 PQP, worth roughly $1,500), while the Capital One Spark Cash Plus doesn't advertise one right now.
- Is the Capital One Spark Cash Plus's $150 annual fee worth it compared to the United Club Business Card?
- At $150/yr, the Capital One Spark Cash Plus is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Club Business Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash Plus and United Club Business Card?
- Yes, since they're from different issuers (Capital One and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Capital One Spark Cash Plus or the United Club Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash Plus: no published min spend. United Club Business Card: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.