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Side-by-side
Capital One Spark Cash Plus vs United Quest Card
Both are well-respected travel cards. The Capital One Spark Cash Plus comes from Capital One at $150/yr; the United Quest Card from Chase at $350/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Quest Card is the stronger pick today, the sign-up bonus is meaningfully larger ($950 more in estimated value) than the Capital One Spark Cash Plus's. Get the United Quest Card first; revisit the Capital One Spark Cash Plus after you've earned that bonus.
| Feature | Capital One Spark Cash Plus | United Quest Card |
|---|---|---|
| Annual fee | $150 | $350 |
| Sign-up bonus | $4,000 cash bonus | 70,000 miles + 500 PQP |
| Bonus value (est.) | - | $950 |
| Min spend to unlock bonus | - | $4,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | business | travel |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | None | mileageplus |
| Headline benefits |
|
Read the full review
Capital One Spark Cash Plus
$150/yr · $4,000 cash bonus
Read the full review
United Quest Card
$350/yr · 70,000 miles + 500 PQP
Editorial take: United Quest Card
If you fly United 3+ times a year, the $125 travel credit, two free bags, and 10k miles of rebates on award flights ($100+ in direct value) make this card pay for itself.
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash Plus or United Quest Card?
- The United Quest Card has a public bonus (70,000 miles + 500 PQP, worth roughly $950), 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 Quest 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 Quest Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash Plus and United Quest 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 Quest 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 Quest Card: $4,000 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.