Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Capital One Venture Business vs United Gateway Card

Both are well-respected travel cards. The Capital One Venture Business comes from Capital One at $95/yr; the United Gateway Card from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Capital One Venture Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,385 more in estimated value) than the United Gateway Card's. Get the Capital One Venture Business first; revisit the United Gateway Card after you've earned that bonus.

FeatureCapital One Venture BusinessUnited Gateway Card
Annual fee$95$0
Sign-up bonusUp to 150,000 miles30,000 miles
Bonus value (est.)$2,775$390
Min spend to unlock bonus$30,000 in 6 mo$1,000 in 3 mo
IssuerCapital OneChase
Card categorybusinesstravel
Best earning category (Hotels_capital_one)5x1x
Transfer partnerscapital-oneNone
Headline benefits
  • Up to 150K bonus miles (tiered)
  • 2x on everything
  • Transfers to 15+ partners
  • Global Entry credit
  • 2x on United + transit + gas
  • No annual fee
  • No foreign tx fees
  • 25% inflight rebate
Read the full review
Capital One Venture Business
$95/yr · Up to 150,000 miles
Read the full review
United Gateway Card
$0/yr · 30,000 miles

Editorial take: Capital One Venture Business

Capital One rebranded Spark Miles for Business as Venture Business in April 2026 with a tiered up-to-150k welcome bonus. Strong catch-all 2x earner with transferable points; the Capital One transfer chart (Aeroplan, Flying Blue, Turkish, Virgin Atlantic) makes 2x meaningful.

Editorial take: United Gateway Card

The no-fee United card. Doesn't include free bags (that starts with the Explorer), so it's really only worth it for credit-building purposes.

Common questions

Which card has the bigger sign-up bonus, Capital One Venture Business or United Gateway Card?
The Capital One Venture Business has the bigger bonus, Up to 150,000 miles, worth roughly $2,775, versus 30,000 miles (~$390) on the United Gateway Card.
Is the Capital One Venture Business's $95 annual fee worth it compared to the United Gateway Card?
At $95/yr, the Capital One Venture Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Gateway Card's, pick the one whose perks you'll actually use.
Can I have both the Capital One Venture Business and United Gateway 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 Venture Business or the United Gateway Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Venture Business: $30,000 spend in 6 months. United Gateway Card: $1,000 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.