Capital One Spark Miles for Business vs United Quest℠ Card

Introduction

This comparison aims to help users decide between the Capital One Spark Miles for Business and the United Quest℠ Card. Both cards offer unique benefits tailored to different spending habits and travel preferences.

Card Overviews

Capital One Spark Miles for Business

The Capital One Spark Miles for Business is designed for business owners looking to maximize their travel rewards. With no annual fee for the first year, this card offers flexible earning potential on every purchase.

United Quest℠ Card

The United Quest℠ Card is tailored for frequent United Airlines travelers, offering significant rewards on United purchases and additional perks such as free checked bags and travel credits.

Detailed Feature Comparison

Feature	Capital One Spark Miles for Business	United Quest℠ Card
Annual Fee	$0 intro for first year; $95 after that	$250
Welcome Bonus	50,000 miles after spending $4,500 in first 3 months	60,000 bonus miles and 500 PQP
Rewards Structure	2X miles on every purchase, 5X on travel booked through Capital One	3X on United purchases, 2X on travel, dining, select streaming
Foreign Transaction Fee	None	None
Other Fees	None	None
Additional Benefits	Free employee cards, $120 credit for Global Entry or TSA PreCheck	Free checked bags, up to $125 purchase credit

Rewards Highlights

United Quest℠ Card Rewards

• Earn 60,000 bonus miles and 500 Premier qualifying points 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 Miles for Business Rewards

• 2 miles per $1 on every purchase, everywhere.
• 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One's travel booking site.

Pros and Cons

Capital One Spark Miles for Business

• Pros:
• Annual fee waived for the first year.
• Unlimited 2X miles on all purchases.
• 5X miles on travel booked through Capital One.
• Flexible redemption options.
• Free employee cards.

• Cons:
• Less lucrative bonus offer compared to United Quest℠.
• Fewer travel-specific perks.

United Quest℠ Card

• Pros:
• Significant bonus miles and PQP.
• Enhanced rewards on United purchases.
• Free checked bags.
• Travel credits for United purchases.

• Cons:
• Higher annual fee.
• More limited overall earning potential outside of United purchases.

Who Should Consider Which Card?

• The Capital One Spark Miles for Business is ideal for business owners who want straightforward, flexible rewards without a hefty annual fee.
• The United Quest℠ Card is better suited for frequent United Airlines travelers looking for substantial rewards and travel perks.

Conclusion

Ultimately, the choice between the Capital One Spark Miles for Business and the United Quest℠ Card should be based on your individual spending habits and travel preferences. Consider what features matter most to you, whether it's general travel rewards or specific airline benefits.

“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.”