Card Comparison
Capital One Spark Cash Plus vs United Club
See how these two cards stack up across fees, rewards, and signup bonuses.
Annual Fee
$150/yr
$695/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 3 months
90,000 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 4x
- Dining 2x
- Hotel Stays 2x
Reward Type
cashback
miles
Key Credits
None
- Global Entry/TSA PreCheck Credit
- IHG Rewards Credit