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Capital One Spark Cash vs United℠ Business Card
This comparison aims to help you decide between the Capital One Spark Cash and the United℠ Business Card. Both cards offer unique rewards and benefits tailored for business owners, but they cater to different needs and spending habits.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses that prefer a straightforward cash back rewards program. It offers unlimited 2% cash back on every purchase, making it ideal for those who want to earn rewards without worrying about category restrictions.
United℠ Business Card
The United℠ Business Card is tailored for businesses that frequently travel with United Airlines. It provides a rewarding mile-earning structure, especially for United purchases, making it a great choice for those who prioritize travel rewards.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | United℠ Business Card |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $99 |
| Welcome Bonus | Earn $750 cash back after spending $7,500 in the first 3 months | Earn 100,000 bonus miles after spending $5,000 in the first 3 months |
| Rewards Structure | 2% cash back on every purchase | 2x miles on United purchases, dining, gas stations, office supply stores, and local transit; 1x mile on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | No additional fees mentioned | No additional fees mentioned |
| Additional Benefits | Free employee cards, rewards don’t expire | Free first checked bag, 5,000-mile anniversary bonus, $100 travel credit after 7 United flights |
Rewards Highlights
Capital One Spark Cash
- Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on every purchase
United℠ Business Card
- 2x miles on United® purchases, dining, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile on all other purchases.
Pros and Cons
Capital One Spark Cash
- Pros:
- Unlimited 2% cash back on all purchases
- No foreign transaction fees
- No limits or category restrictions on rewards
- Free employee cards
- Cash back rewards never expire
- Cons:
- Annual fee of $95 after the first year
- Less appealing for frequent travelers compared to travel-specific cards
United℠ Business Card
- Pros:
- Generous welcome bonus of 100,000 miles
- Multiple opportunities to earn extra miles on specific purchases
- Free first checked bag and priority boarding for United flights
- Employee cards accrue miles in the primary account
- Cons:
- Annual fee of $99
- Less flexible rewards than cash back options
Who Should Consider Which Card?
- Capital One Spark Cash: Best for businesses that want straightforward cash back rewards with no category restrictions. Ideal for those who prefer simplicity in their rewards program.
- United℠ Business Card: Suited for businesses that travel frequently with United Airlines and want to maximize their travel rewards, especially for flights and related expenses.
Conclusion
In summary, the Capital One Spark Cash is an excellent choice for cash back enthusiasts, while the United℠ Business Card appeals to those who prioritize travel rewards with United. Consider your individual needs and spending patterns to make the best decision for your business.