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Side-by-side
Capital One Spark Cash Select vs United Club Infinite Card
Both are well-respected travel cards. The Capital One Spark Cash Select comes from Capital One at $95/yr; the United Club Infinite 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 Infinite Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,120 more in estimated value) than the Capital One Spark Cash Select's. Get the United Club Infinite Card first; revisit the Capital One Spark Cash Select after you've earned that bonus.
| Feature | Capital One Spark Cash Select | United Club Infinite Card |
|---|---|---|
| Annual fee | $95 | $695 |
| Sign-up bonus | $1,000 cash bonus | 80,000 miles (up to 90,000 with authorized user) |
| Bonus value (est.) | - | $1,120 |
| Min spend to unlock bonus | $10,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | business | travel |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Capital One Spark Cash Select
$95/yr · $1,000 cash bonus
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)
Editorial take: United Club Infinite Card
Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash Select or United Club Infinite Card?
- The United Club Infinite Card has a public bonus (80,000 miles (up to 90,000 with authorized user), worth roughly $1,120), while the Capital One Spark Cash Select doesn't advertise one right now.
- Is the Capital One Spark Cash Select's $95 annual fee worth it compared to the United Club Infinite Card?
- At $95/yr, the Capital One Spark Cash Select is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Club Infinite Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash Select and United Club Infinite 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 Select or the United Club Infinite Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash Select: $10,000 spend in 3 months. United Club Infinite 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.