Capital One Spark Miles vs United Business Card: which one fits your business?
Side-by-side comparison of Capital One Spark Miles and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Capital One Spark Miles wins on our scorecard (8/10 vs 7.4/10).
| Scored on | Capital One Spark Miles | United Business Card |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 9 | 7 |
| Fees & pricing | 10 | 8 |
| Customer support | 6 | 6 |
| Features | 7 | 7 |
| Annual Fee | $0 | $99 ($0 first year) |
| Foreign Transaction Fee | None | $0 |
| Purchase APR | 20.99% - 28.99% Variable | 21.49% - 28.49% variable |
| Late Payment Fee | Up to $39 | Up to $40 |
Capital One Spark Miles in one paragraph
A top-tier choice for simple 2% travel rewards if you don't mind your business debt appearing on your personal credit report.
Skip it if: Skip it if you carry high monthly balances that could negatively impact your personal credit score due to high utilization reporting.
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 Miles or United Business Card?
On our five-axis scorecard, Capital One Spark Miles scores higher (8/10 vs 7.4/10). A top-tier choice for simple 2% travel rewards if you don't mind your business debt appearing on your personal credit report.
Who should skip Capital One Spark Miles?
Skip it if you carry high monthly balances that could negatively impact your personal credit score due to high utilization reporting.
Who should skip United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.