Only when booked via Capital One Travel; Otherwise earn 1X.
Only when booked via Capital One Travel; Otherwise earn 1X.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The Capital One Spark Cash Plus replaced the older Spark Cash business card, with the primary difference being that the Spark Cash Plus is a charge card. The charge card features means that the Capital One Spark Cash Plus can be more easily used for bigger purchases and by companies with very high monthly spend, without bumping up against a credit limit for your business expenses. The card is issued as a Visa.
You earn 2% cash back on all eligible purchases, plus 5% when you book hotels and rental cars through the Capital One Travel Portal.
If you have a separate credit card that earns Capital One Miles, like the Venture X, Venture, VentureOne, or Spark Miles, you can transfer your cash from the Capital One Spark Cash Plus to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.
This card is also featured in Which Capital One Business Cards Report to Personal Credit (Count Towards 5/24)? and in the article Business Credit Cards That Don’t Report to Personal Credit Bureaus.
Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
If you’re a business owner contemplating on getting a personal United credit card, it’s worth taking a closer look at the United Business Card first. Cardholders earn 2x unlimited miles on a diverse range of bonus categories, including United purchases (which includes United flights, seat upgrades, wifi or onboard purchases), dining including eligible delivery services, gas stations, office supply stores, and local transit and commuting. All other purchases accrue 1x miles. And don’t forget, beyond the initial hard inquiry when applying for a business card, it won’t report to your personal credit as long as you remain in good standing.
The annual fee is $99 (occasionally waived for the first year, based on the bonus offer being offered at the time, although the offers that waive the annual fee the first year also generally offer less miles.)
Fortunately, maximizing the card is effortless thanks to its number of tangible benefits. You can get every first checked bag free on United flights and even earn an annual $100 United credit after purchasing seven United flight purchases. Coupled with the opportunity to enter the United Club twice per year ($59 value each time), that’s roughly a $200+ value off the bat toward travel.
Other non-tangible, yet equally useful, benefits that the United Business Card provides include priority boarding, a 25% discount on inflight purchases, and the ability to earn Premier Qualifying Points every year from spend (see the next paragraph for details). Depending on how often you’re flying United every year, these perks offer elite-like benefits just by holding this card.
And don’t forget the ability to earn PQPs towards elite status from spend. You’ll earn 1 PQP for every $20 you spend on purchases with your Business Card – up to 1,000 PQPs per year.
If you were purely looking to earn United miles, however, you might well do better with the Chase Ink Business Preferred® Card which would earn 3X Chase Ultimate Rewards points on the first $150,000 spent on all travel purchases, has similar trip protections, and its points transfer 1:1 to United – but also to more than a dozen other airline and hotel partners.
We have a detailed comparison of the United Business Card vs. the Chase Ink Business Preferred Card.
Chase is the issuer of this business card and is quite generous when it comes to providing travel and purchase coverages with high limits. Plus, Chase tends to offer partner benefits exclusively for cardholders.