Capital One Spark Miles vs United Club Business Card: which one fits your business?
Side-by-side comparison of Capital One Spark Miles and United Club Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: it's a tie on our scorecard — pick on fit, not score.
| Scored on | Capital One Spark Miles | United Club Business Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 9 | 8 |
| Fees & pricing | 7 | 6 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| Annual Fee | $0 intro; $95 thereafter | $525 |
| Foreign Transaction Fee | None | $0 |
| Purchase APR | 25.99% (Variable) | — |
| Late Payment Fee | Up to $39 | Up to $40 |
| Transfer Fee | None | — |
| Employee Cards | — | $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 Club Business Card in one paragraph
The ultimate 'office in the sky' tool for United loyalists that pays for itself through bag fees and lounge productivity.
Skip it if: You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.
Frequently asked questions
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 Club Business Card?
You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.