Capital One Spark Cash Plus vs United Business Card: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Capital One Spark Cash Plus wins on our scorecard (7.7/10 vs 7.3/10).
| Scored on | Capital One Spark Cash Plus | United Business Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 7 | 7 |
| Customer support | 6 | 6 |
| Features | 8 | 8 |
| Annual Fee | $150 | $99 (often $0 for the first year) |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | 2.99% of unpaid balance | Up to $40 |
| Additional Employee Cards | $0 | — |
| Purchase APR | N/A (Pay in full) | 21.49% - 28.49% variable |
| Employee Card Fee | — | $0 |
Capital One Spark Cash Plus in one paragraph
A powerful 2% cash-back engine for high-spend businesses that can pay in full monthly, though its personal credit reporting is a major caveat.
Skip it if: You need to carry a balance month-to-month or plan to apply for a personal mortgage in the next 12 months.
United Business Card in one paragraph
A reliable workhorse for United loyalists that pays for itself through waived bag fees and expanded award seat access.
Skip it if: You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.
Frequently asked questions
Which is better, Capital One Spark Cash Plus or United Business Card?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.7/10 vs 7.3/10). A powerful 2% cash-back engine for high-spend businesses that can pay in full monthly, though its personal credit reporting is a major caveat.
Who should skip Capital One Spark Cash Plus?
You need to carry a balance month-to-month or plan to apply for a personal mortgage in the next 12 months.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.