Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Capital One Spark Cash Plus vs United℠ Business Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Capital One Spark Cash Plus card art
Capital One
Capital One Spark Cash Plus
Capital One
More Info
United℠ Business Card card art
United MileagePlus
United℠ Business Card
Chase
More Info
Annual Fee
$150/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 3 months
100,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • Hotels and rental cars booked through Capital One Travel 5x
  • All Other Purchases 2x
  • United Purchases 2x
  • Dining 2x
  • Gas Stations 2x
Reward Type
cashback
miles
Key Credits
None
None
Card Perks
None listed
  • Two United Club One-Time Passes (~$100/yr)
  • Free First Checked Bag (~$160/yr)
  • Priority Boarding
  • +2 more
Transfer Partners
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
No transfer partners
Open full comparison tool Compare more cards

Common Questions: Capital One Spark Cash Plus vs United℠ Business Card

Is the Capital One Spark Cash Plus or United℠ Business Card better for dining?

Capital One Spark Cash Plus has no dining bonus; United℠ Business Card earns 2x on dining.

Which has the higher signup bonus in 2026?

Capital One Spark Cash Plus currently offers 200,000 pts signup bonus (spend $30,000 in 3 months). United℠ Business Card offers 100,000 pts signup bonus (spend $5,000 in 3 months). Capital One Spark Cash Plus has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Capital One Spark Cash Plus and the United℠ Business Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Capital One Spark Cash Plus is from Capital One and United℠ Business Card is from Chase, so they're governed by separate bank policies.