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Capital One Spark Miles for Business vs United Business Card

Both are business travel cards. The Capital One Spark Miles for Business comes from Capital One at $95/yr; the United Business Card from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureCapital One Spark Miles for BusinessUnited Business Card
Annual fee$95$99
Sign-up bonus50,000 miles75,000 miles
Bonus value (est.)$900$1,050
Min spend to unlock bonus$4,500 in 3 mo$5,000 in 3 mo
IssuerCapital OneChase
Card categorybusinessbusiness
Best earning category (Hotels_capital_one)5x1x
Transfer partnerscapital-onemileageplus
Headline benefits
  • 2x on everything
  • Transfers to 15+ partners
  • No FX fees
  • Global Entry credit
  • $100 credit after $10k spend
  • $50 hotel credit 2x/year
  • Free checked bag (you + 1)
  • 2 United Club passes/yr
Read the full review
Capital One Spark Miles for Business
$95/yr · 50,000 miles
Read the full review
United Business Card
$99/yr · 75,000 miles

Editorial take: Capital One Spark Miles for Business

The strongest catch-all 2x business card with transferable points. The annual fee is waived first year; the Capital One transfer chart includes Aeroplan, Flying Blue, Turkish, and Virgin Atlantic — enough to make 2x meaningful.

Editorial take: United Business Card

Strong United business card under $100 fee. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit easily cover the AF for any United-leaning small business.

Common questions

Which card has the bigger sign-up bonus, Capital One Spark Miles for Business or United Business Card?
The United Business Card has the bigger bonus — 75,000 miles, worth roughly $1,050, versus 50,000 miles (~$900) on the Capital One Spark Miles for Business.
Is the Capital One Spark Miles for Business's $95 annual fee worth it compared to the United Business Card?
At $95/yr, the Capital One Spark Miles for Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Business Card's — pick the one whose perks you'll actually use.
Can I have both the Capital One Spark Miles for Business and United Business Card?
Yes, since they're from different issuers (Capital One and Chase) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Capital One Spark Miles for Business or the United Business Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Miles for Business: $4,500 spend in 3 months. United Business Card: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.