Capital One Spark Cash Plus vs United Club Business Card: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus and United Club 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 7.5/10).
| Scored on | Capital One Spark Cash Plus | United Club Business Card |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 8 | 6 |
| Customer support | 6 | 7 |
| Features | 9 | 9 |
| Annual Fee | $150 (Refundable) | $450 |
| Late Payment Fee | 2.99% of balance | — |
| Foreign Transaction Fee | None | $0 |
| Employee Card Fee | $0 | — |
| Purchase APR | — | 21.49%–28.49% (Variable) |
| Late Fee | — | Up to $40 |
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 Club Business Card in one paragraph
A powerhouse for United loyalists who need a mobile office in the lounge, but the $450 fee is a high price for those who don't live in a hub city.
Skip it if: You don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.
Frequently asked questions
Which is better, Capital One Spark Cash Plus or United Club Business Card?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.9/10 vs 7.5/10). 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 Club Business Card?
You don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.