United℠ Explorer Card vs. Capital One Spark Cash Plus
Side-by-side comparison · Updated 2026 · Independently reviewed
United℠ Explorer Card
Chase
4.2
Free 1st + 2nd checked bags. 60,000-mile bonus. 2x on United, dining, hotel.
Full review →
Capital One Spark Cash Plus
Capital One
4.3
Unlimited 2% cash back on every business purchase. Up to $1,200 bonus.
Full review →WealthSpott Verdict
United℠ Explorer Card wins on more measurable categories — particularly annual cost. Capital One Spark Cash Plus may still win for your wallet depending on how you spend.
Feature
United℠ Explorer Card
Capital One Spark
Annual Fee
$95/yr Best
$150/yr
Sign-up Bonus
60,000 miles
Up to $1,200
Rewards Rate
1x-2x
2%
Rewards Type
Miles
Cash Back
0% Intro APR
N/A
N/A (charge card)
Regular APR
22.49%-29.49% Variable Best
N/A (charge card — pay in full)
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
720-850
United℠ Explorer Card
Pros
- Free first and second checked bags on United
- 60,000-mile sign-up bonus
- Two United Club passes per year
- 2x on United, dining, and hotels
Cons
- $95 annual fee
- Miles tied to United/Star Alliance
- Standard 1x earning on non-bonus purchases
Capital One Spark Cash Plus
Pros
- Unlimited 2% cash back on all purchases
- Up to $1,200 cash bonus
- No foreign transaction fee
Cons
- $150 annual fee
- Charge card — must pay in full monthly
- High spend required for full bonus
Not sure which card is right for you?
Browse all credit cards