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 (7.9/10 vs 7.4/10).
| Scored on | Capital One Spark Cash Plus | United Business Card |
|---|---|---|
| Right fit for small biz | 9 | 9 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 8 |
| Customer support | 6 | 6 |
| Features | 9 | 7 |
| Annual Fee | $150 (Refundable) | $99 ($0 first year) |
| Late Payment Fee | 2.99% of balance | Up to $40 |
| Foreign Transaction Fee | None | $0 |
| Employee Card Fee | $0 | — |
| Purchase APR | — | 21.49% - 28.49% variable |
Capital One Spark Cash Plus in one paragraph
A powerhouse 2% cash-back engine for high-revenue businesses that don't mind a personal guarantee.
Skip it if: You need to carry a balance from month to month or have a credit score below 700.
United Business Card in one paragraph
A top-tier choice for United loyalists that pays for itself through bag fee waivers and anniversary credits.
Skip it if: You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.
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 (7.9/10 vs 7.4/10). A powerhouse 2% cash-back engine for high-revenue businesses that don't mind a personal guarantee.
Who should skip Capital One Spark Cash Plus?
You need to carry a balance from month to month or have a credit score below 700.
Who should skip United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.