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Capital One Spark Cash vs The New United℠ Business Card
This comparison aims to help users decide between the Capital One Spark Cash and The New United℠ Business Card. Both cards offer unique features and benefits tailored for different spending habits and financial goals.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses that want to earn straightforward cash back on all purchases. With no category restrictions and a solid rewards structure, this card is ideal for small business owners looking for simplicity and value.
The New United℠ Business Card
The New United℠ Business Card is tailored for frequent travelers, particularly those who fly with United Airlines. It offers a compelling miles rewards structure, along with travel-related perks that enhance the overall travel experience, making it a great choice for business owners who prioritize travel rewards.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | The New United℠ Business Card |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $150 Annual Fee |
| Welcome Bonus | Earn $750 cash back after spending $7,500 in first 3 months | Earn 125,000 bonus miles after spending $5,000 in first 3 months |
| Rewards Structure | 2% cash back on every purchase | 2x miles on United purchases, dining, gas stations, and local transit; 1x miles on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Free employee cards, rewards never expire, cash back can be redeemed for any amount | Free first checked bag, priority boarding, 2 United Club passes per year |
Rewards Highlights
- Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on every purchase
Pros and Cons
Capital One Spark Cash
- Pros:
- Simple cash back rewards with no category restrictions
- High welcome bonus
- No foreign transaction fees
- Free employee cards
- Cons:
- Annual fee after the first year
- Cash back may not appeal to those who prefer travel rewards
The New United℠ Business Card
- Pros:
- Generous miles rewards on travel-related purchases
- Significant welcome bonus with miles
- Travel perks such as free checked bags and United Club passes
- Cons:
- Higher annual fee
- Rewards are more beneficial for frequent United travelers
Who Should Consider Which Card?
The Capital One Spark Cash is ideal for business owners who prefer straightforward cash back rewards without the hassle of tracking categories. It's suitable for those who make a variety of purchases and want to maximize cash back on all spending.
The New United℠ Business Card is best for users who frequently travel with United Airlines and want to earn miles that can be redeemed for flights and travel perks. This card is ideal for those who prioritize travel rewards and enjoy the added benefits associated with air travel.
Conclusion
When deciding between the Capital One Spark Cash and The New United℠ Business Card, consider your individual needs and spending patterns. Evaluate whether you prefer cash back rewards or travel perks to determine which card aligns best with your financial goals.