Capital One Spark Cash Plus vs United Club℠ Business Card
Side-by-side comparison
| Capital One Spark Cash Plus | United Club℠ Business Card | |
|---|---|---|
| Annual fee | $150 | $695 |
| Welcome offer | $2,000 cash back | 110,000 miles |
| Advertising | 2% | 1.5% |
| Shipping | 2% | 1.5% |
| Office supplies | 2% | 1.5% |
| Phone & internet | 2% | 1.5% |
| Travel | 2% | 2% |
| Everything else | 2% | 1.5% |
| Est. yearly rewards* | $900 | $699 |
| Points type | Pools with Capital One → transferable | Locked to United MileagePlus |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Capital One Spark Cash Plus earns about $900 a year in rewards and the United Club℠ Business Card about $699, valuing every point at a flat 1 cent. The Capital One Spark Cash Plus charges $150, which you clear through its rewards and perks. The United Club℠ Business Card charges $695, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Capital One Spark Cash Plus delivers more total value, about $746 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Capital One Spark Cash Plus earns points you can move to travel partners for outsized value, while the United Club℠ Business Card stays locked to a single airline or hotel program. Favor the Capital One Spark Cash Plus if you will use travel transfers, the United Club℠ Business Card if you want simplicity. On the sign-up bonus, the Capital One Spark Cash Plus currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One Spark Cash Plus if your spending leans toward advertising, shipping, office supplies.