Capital One Spark Cash vs United Club℠ Infinite Card

This comparison aims to help users decide between the Capital One Spark Cash and the United Club℠ Infinite Card. Both cards cater to different needs and spending habits, making it essential to understand their features, rewards, and benefits.

Card Overviews

Capital One Spark Cash

The Capital One Spark Cash is designed for businesses seeking to earn straightforward cash back on every purchase. With a simple rewards structure and no foreign transaction fees, it is ideal for business owners who value flexibility and cash rewards.

United Club℠ Infinite Card

The United Club℠ Infinite Card is aimed at frequent travelers, particularly those who often fly with United Airlines. It offers a premium travel experience with rewards on travel purchases, complimentary checked bags, and exclusive access to United Club lounges.

Detailed Feature Comparison

Rewards Highlights

Capital One Spark Cash

• 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

United Club℠ Infinite Card

• Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
• 4x miles on United® purchases
• 2x miles on all other travel and dining
• 1x mile on all other purchases

Pros and Cons

Capital One Spark Cash

• Pros:
  • Simple 2% cash back on all purchases
  • Attractive welcome bonus
  • No foreign transaction fees
  • Free employee cards
  • No expiration on rewards
• Cons:
  • Annual fee after the first year
  • No premium travel benefits

United Club℠ Infinite Card

• Pros:
  • Generous rewards on United® purchases
  • Includes United Club℠ membership
  • Free checked bags and Premier Access® travel services
  • Valuable welcome bonus
• Cons:
  • High annual fee
  • Best benefits are limited to United Airlines travel

Who Should Consider Which Card?

The Capital One Spark Cash is best for business owners or individuals who prioritize cash back rewards and prefer a straightforward earning structure without worrying about categories. On the other hand, the United Club℠ Infinite Card is ideal for frequent United Airlines travelers who can maximize travel-related benefits and appreciate lounge access and complimentary checked bags.

Conclusion

Ultimately, choosing between the Capital One Spark Cash and the United Club℠ Infinite Card depends on your individual spending habits and financial goals. Consider how you spend, where you travel, and what benefits are most valuable to you when making your decision.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”