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Capital One Quicksilver Cash Rewards Credit Card vs The New United℠ Business Card
This comparison aims to help users decide between the Capital One Quicksilver Cash Rewards Credit Card and The New United℠ Business Card. Both cards offer unique benefits tailored to different spending habits and financial goals.
Card Overviews
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is designed for individuals seeking simplicity and cash back rewards. With no annual fee and straightforward rewards structure, it caters to users who prefer easy-to-understand benefits without rotating categories.
The New United℠ Business Card
The The New United℠ Business Card is aimed at business owners and frequent travelers, particularly those who fly with United Airlines. This card offers bonus miles for various spending categories, travel perks, and a substantial welcome bonus to enhance travel experiences.
Detailed Feature Comparison
| Feature | Capital One Quicksilver Cash Rewards | The New United℠ Business Card |
|---|---|---|
| Annual Fee | $0 | $150 |
| Welcome Bonus | $200 after spending $500 in 3 months | 125,000 bonus miles after spending $5,000 in 3 months |
| Rewards Structure | 1.5% cash back on every purchase | 2x miles on United purchases, dining, gas stations, and more; 1x mile on all other purchases |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | Balance transfer fee applies | None specified |
| Additional Benefits | Cash back doesn't expire; no limits on earnings | Free checked bag, travel credits, and United Club passes |
Rewards Highlights
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply.
- Earn unlimited 1.5% cash back on every purchase, every day.
Pros and Cons
Capital One Quicksilver Cash Rewards Credit Card
- Pros:
- No annual fee
- Simple rewards structure with unlimited cash back
- Flexible redemption options
- Cons:
- Lower rewards rate compared to some travel cards
- Limited travel benefits
The New United℠ Business Card
- Pros:
- Generous welcome bonus
- Enhanced rewards on travel-related purchases
- Significant travel perks for United travelers
- Cons:
- Annual fee applies
- Higher spending requirement for the welcome bonus
Who Should Consider Which Card?
- Capital One Quicksilver Cash Rewards Credit Card: Ideal for individuals who prefer straightforward cash back without an annual fee and who value simplicity in their purchasing habits.
- The New United℠ Business Card: Best suited for business owners and frequent travelers who prioritize earning miles on travel-related expenses and enjoy the perks associated with airline travel.
Conclusion
When choosing between the Capital One Quicksilver Cash Rewards Credit Card and The New United℠ Business Card, it's essential to consider your individual spending habits and financial goals. Each card offers unique advantages that cater to different user needs, so reflect on what matters most to you in a credit card.