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CardCurator — Rewards Intelligence
Card Comparison

Capital One Spark Cash Plus vs United Club Business

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 Club Business card art
United MileagePlus
United Club Business
Chase
More Info
Annual Fee
$150/yr
$695/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 3 months
8,000 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 $120
  • IHG Rewards Credit $120
Card Perks
None listed
  • United Club Membership
  • Free First and Second Checked Bags
  • Premier Access
  • +1 more
Transfer Partners
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
No transfer partners
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Common Questions: Capital One Spark Cash Plus vs United Club Business

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

Capital One Spark Cash Plus has no dining bonus; United Club Business 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 Club Business offers 8,000 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 Club Business?

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 Club Business is from Chase, so they're governed by separate bank policies.