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 (7.7/10 vs 7.3/10).
| Scored on | Capital One Spark Miles | 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 | $0 intro; $95 thereafter | $99 (often $0 for the first year) |
| Foreign Transaction Fee | None | $0 |
| Purchase APR | 25.99% (Variable) | 21.49% - 28.49% variable |
| Late Payment Fee | Up to $39 | Up to $40 |
| Transfer Fee | None | — |
| Employee Card Fee | — | $0 |
Capital One Spark Miles in one paragraph
A reliable, high-floor rewards engine for owners who want to earn 2x travel miles on every dollar without managing categories.
Skip it if: Skip it if you carry high monthly balances that could damage your personal credit score due to Capital One's reporting practices.
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 Miles or United Business Card?
On our five-axis scorecard, Capital One Spark Miles scores higher (7.7/10 vs 7.3/10). A reliable, high-floor rewards engine for owners who want to earn 2x travel miles on every dollar without managing categories.
Who should skip Capital One Spark Miles?
Skip it if you carry high monthly balances that could damage your personal credit score due to Capital One's reporting practices.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.