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Capital One Quicksilver Cash Rewards Credit Card vs United℠ Business Card
This comparison aims to assist users in deciding between the Capital One Quicksilver Cash Rewards Credit Card and the United℠ Business Card by highlighting their key features, benefits, and potential drawbacks.
Card Overviews
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is designed for individuals seeking straightforward cash back rewards without the hassle of rotating categories. With no annual fee and unlimited cash back on every purchase, it's an attractive option for everyday spenders.
United℠ Business Card
The United℠ Business Card targets small business owners who frequently travel with United Airlines. It offers generous rewards on United purchases and provides additional travel benefits, making it ideal for those who want to earn miles while managing business expenses.
Detailed Feature Comparison
| Feature | Capital One Quicksilver Cash Rewards Credit Card | United℠ Business Card |
|---|---|---|
| Annual Fee | $0 | $99 |
| Welcome Bonus | Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months | Earn 100,000 bonus miles after you spend $5,000 in the first 3 months |
| Rewards Structure | 1.5% cash back on every purchase | 2x miles on United purchases, dining, gas stations, office supply stores, local transit; 1x mile on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | No balance transfer fees | None specified |
| Additional Benefits | Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel | Free first checked bag, 2 United Club passes annually, priority boarding |
Rewards Highlights
Capital One Quicksilver Cash Rewards Credit Card
- 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.
United℠ Business Card
- 2x miles on United® purchases, dining, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile on all other purchases.
Pros and Cons
Capital One Quicksilver Cash Rewards Credit Card
- Pros: No annual fee, simple cash back structure, no foreign transaction fees.
- Cons: Lower potential rewards for travel compared to some travel-focused cards.
United℠ Business Card
- Pros: Significant bonus offer, travel perks with United Airlines, 2x miles on various categories.
- Cons: Annual fee, higher spending requirement for the bonus.
Who Should Consider Which Card?
- The Capital One Quicksilver Cash Rewards Credit Card may be best for individuals or families who prefer straightforward cash back without the complexity of rotating categories and who spend regularly on various purchases.
- The United℠ Business Card is ideal for small business owners or frequent United travelers looking to maximize their rewards through travel-related expenses and benefit from added travel perks.
Conclusion
Ultimately, the choice between the Capital One Quicksilver Cash Rewards Credit Card and the United℠ Business Card depends on your individual spending patterns and financial goals. Consider whether you value cash back or travel rewards, as well as any associated fees, to make the most informed decision.