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: Capital One Spark Miles wins on our scorecard (8/10 vs 7.5/10).
| Scored on | Capital One Spark Miles | United Club Business Card |
|---|---|---|
| Right fit for small biz | 7 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 10 | 6 |
| Customer support | 6 | 7 |
| Features | 7 | 9 |
| Annual Fee | $0 | $450 |
| Foreign Transaction Fee | None | $0 |
| Purchase APR | 20.99% - 28.99% Variable | 21.49%–28.49% (Variable) |
| Late Payment Fee | Up to $39 | — |
| Late Fee | — | 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 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 Miles or United Club Business Card?
On our five-axis scorecard, Capital One Spark Miles scores higher (8/10 vs 7.5/10). 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 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.