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Capital One Spark Cash Plus vs United Quest℠ Card
This comparison aims to help you decide between the Capital One Spark Cash Plus and the United Quest℠ Card. Both cards cater to distinct user needs and offer unique benefits, making it essential to understand their features and rewards structures.
Card Overviews
Capital One Spark Cash Plus
The Capital One Spark Cash Plus is designed for business owners seeking to maximize cash back rewards on their everyday purchases. With no preset spending limit and a solid cash back structure, this card is ideal for businesses with significant spending capacity.
United Quest℠ Card
The United Quest℠ Card is tailored for frequent travelers, especially those who fly with United Airlines. It offers attractive rewards on travel-related purchases and additional benefits that enhance the travel experience, making it perfect for avid flyers.
Detailed Feature Comparison
| Feature | Capital One Spark Cash Plus | United Quest℠ Card |
|---|---|---|
| Annual Fee | $150 | $250 |
| Welcome Bonus | $2,000 cash bonus after spending $30,000 in the first 3 months | 60,000 bonus miles and 500 PQP after spending $4,000 in the first 3 months |
| Rewards Structure | 2% cash back on all purchases, 5% on hotels and rental cars booked through Capital One | 3x miles on United purchases, 2x on travel, dining, and select streaming services, 1x on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None | None |
| Additional Benefits | Employee cards, no preset spending limit, expense management tools | Free checked bags, priority boarding, up to $125 United purchase credit |
Rewards Highlights
United Quest℠ Card Rewards
- Earn 60,000 bonus miles and 500 PQP after you spend $4,000 on purchases in the first 3 months your account is open.
- 3x miles on United® purchases.
- 2x miles on dining, select streaming services & all other travel.
- 1x mile on all other purchases.
Capital One Spark Cash Plus Rewards
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months.
- Earn an additional $2,000 cash bonus for every $500K spent during the first year.
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions.
- Enjoy unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site.
Pros and Cons
Capital One Spark Cash Plus Pros and Cons
- Pros:
- Unlimited 2% cash back on all purchases
- No preset spending limit
- Employee cards at no additional cost
- Cash bonuses for high spending
- Cons:
- Annual fee of $150
- Requires significant spending to earn bonuses
United Quest℠ Card Pros and Cons
- Pros:
- Attractive rewards on United flights and travel
- Free checked bags and priority boarding
- Bonus miles and PQP for travelers
- Cons:
- Higher annual fee of $250
- Rewards mainly beneficial for United Airlines travelers
Who Should Consider Which Card?
The Capital One Spark Cash Plus is best suited for business owners who prioritize cash back rewards and have a high spending capacity. It’s ideal for those who need flexibility in their spending limits and want to maximize their cash back on various purchases.
On the other hand, the United Quest℠ Card is perfect for frequent travelers, especially those loyal to United Airlines. This card rewards users for their travel purchases and offers benefits that enhance the overall travel experience, making it a great choice for those who fly regularly with United.
Conclusion
Choosing between the Capital One Spark Cash Plus and the United Quest℠ Card ultimately depends on your individual spending habits and financial goals. Consider what rewards align with your lifestyle, whether you prefer cash back or travel rewards, and choose the card that best meets your needs.