First-year winner
Capital One Venture X Business
$23 Year 1 edge
$1,988 vs $1,965
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
Capital One Venture X Business
Counted benefits
$300
Credits
$300
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Airport Lounge Access
Lounge Access · No listed cash value
Venture X cards are built around premium airport-lounge access and high-end travel benefits.
Credit
Annual Travel Credit
Travel Credits · Listed $300/yr
Venture X products include an annual travel-credit mechanic when eligible bookings are made through Capital One Travel.
Perk
Capital One Travel Booking Tools
Price Protection · No listed cash value
Capital One Travel includes booking features such as price monitoring, change-support workflows, and issuer-managed travel booking features.
Perk
Capital One Entertainment Access
Other · No listed cash value
Eligible cardholders can access event inventory and experiences through the Capital One Entertainment platform.
Card B
United Business Card
Counted benefits
$620
Credits
$620
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Credit
$125 United Travel Credit
Travel Credits · Listed $125/yr
Receive a United travel credit after making five United flight purchases of $100 or more in a calendar year.
Credit
$100 United Hotels Credits
Travel Credits · Listed $100/yr
Receive up to $100 back as statement credits on eligible prepaid United Hotels stays.
Credit
$100 Rideshare Credits
Travel Credits · Listed $100/yr
Enroll to receive up to $100 back as statement credits each calendar year on eligible rideshare purchases.
Credit
$50 Avis or Budget United Travel Credits
Travel Credits · Listed $50/yr
Receive United TravelBank cash for eligible Avis or Budget rentals booked through cars.united.com.
Credit
$120 Instacart Credits
Other · Listed $120/yr
Receive up to $120 in Instacart credits each calendar year for eligible Instacart purchases.
Credit
$100 JSX Credits
Travel Credits · Listed $100/yr
Receive up to $100 back as statement credits each year on eligible JSX flights.
Credit
$25 FareLock Credits
Travel Credits · Listed $25/yr
Receive up to $25 in credits each year on eligible FareLock purchases for United- or United Express-operated flights.
Perk
Two United Club One-Time Passes
Lounge Access · No listed cash value
Receive two United Club one-time passes each year.
Perk
Free First Checked Bag and Priority Boarding
Other · No listed cash value
The primary cardmember and one companion can receive a first checked bag free and priority boarding on eligible United itineraries.
Verdict
Capital One Venture X Business wins year 1. United Business wins long term.
Winner after year 1
United Business Card
$377 ongoing edge
$865 vs $488
Long-term breakeven: the higher-reward option needs roughly $87,449 per year in this spend mix to overcome the fee and benefit gap.
Capital One
Capital One Venture X Business
Year One
$1,988
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$488
Annual rewards + counted benefits - fee
Annual Rewards
$583
2.00% effective return
Welcome Offer
$1,500
Current listed first-year bonus value
Credits + Perks
$300
$300 credits + $0 perks
Bonus Spend
$30,000
3 mo window · $10,000/mo pace · Stretch
Why it wins
- • Comes with a particularly strong welcome offer.
- • Your expected credit usage offsets most of the annual fee.
- • Stays usable for international purchases.
Watch for
- • The listed welcome-offer threshold looks aggressive for your monthly spend capacity.
- • The points value case is thinner without transfer-partner flexibility.
Chase
United Business Card
Year One
$1,965
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$865
Annual rewards + counted benefits - fee
Annual Rewards
$395
1.35% effective return
Welcome Offer
$1,100
Current listed first-year bonus value
Credits + Perks
$620
$620 credits + $0 perks
Bonus Spend
$5,000
3 mo window · $1,667/mo pace · Doable
Why it wins
- • Comes with a particularly strong welcome offer.
- • Your expected credit usage offsets most of the annual fee.
- • Stays usable for international purchases.
Watch for
- • The points value case is thinner without transfer-partner flexibility.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
2x
$5,400
Capital One Venture X Business
$108
2.00%
United Business
$108
2.00%
Groceries
2x
$7,800
Capital One Venture X Business
$156
2.00%
United Business
$78
1.00%
Travel
2x
$3,000
Capital One Venture X Business
$60
2.00%
United Business
$60
2.00%
Gas
2x
$1,920
Capital One Venture X Business
$38
2.00%
United Business
$38
2.00%
General
2x
$11,040
Capital One Venture X Business
$221
2.00%
United Business
$110
1.00%
Total annual spend
$29,160 across this mix
Capital One Venture X Business$583
United Business$395
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | Capital One Venture X Business | United Business Card |
|---|---|---|
| Costs | ||
| Annual fee | $395 | $150 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Dining rewards | — | 2x |
| Gas rewards | — | 2x |
| Other rewards | — | 2x 2X miles at office supply stores and on local transit. |
| Travel rewards | 10x 10X on hotels and rental cars, and 5X on flights and vacation rentals, booked through Capital One Business Travel. | 2x 2X miles on eligible United purchases. |
| All rewards | 2x | 1x |
| Offer | ||
| Welcome offer | 150,000 bonus miles Spend $30,000 in 3 mo | Earn up to 110,000 bonus miles + 2,000 Premier qualifying points Earn 100,000 bonus miles + 2,000 PQP after spending $5,000 in the first 3 months, plus 10,000 bonus miles after adding an employee card in the first 3 months. |
| Benefits | ||
| Estimated benefits | ~$300/yr | ~$620/yr |
| Benefit highlights | Airport Lounge Access · Annual Travel Credit · Capital One Travel Booking Tools · +1 more | $125 United Travel Credit · $100 United Hotels Credits · $100 Rideshare Credits · +6 more |
| Profile | ||
| Credit needed | Excellent | Good |
| Network | mastercard | — |
| Reward type | Miles | Miles |
Costs
Annual fee
Capital One Venture X Business
$395
United Business Card
$150
Foreign transaction fee
Capital One Venture X Business
None
United Business Card
None
Rewards
Dining rewards
Capital One Venture X Business
—
United Business Card
2x
Gas rewards
Capital One Venture X Business
—
United Business Card
2x
Other rewards
Capital One Venture X Business
—
United Business Card
2x
2X miles at office supply stores and on local transit.
Travel rewards
Capital One Venture X Business
10x
10X on hotels and rental cars, and 5X on flights and vacation rentals, booked through Capital One Business Travel.
United Business Card
2x
2X miles on eligible United purchases.
All rewards
Capital One Venture X Business
2x
United Business Card
1x
Offer
Welcome offer
Capital One Venture X Business
150,000 bonus miles
Spend $30,000 in 3 mo
United Business Card
Earn up to 110,000 bonus miles + 2,000 Premier qualifying points
Earn 100,000 bonus miles + 2,000 PQP after spending $5,000 in the first 3 months, plus 10,000 bonus miles after adding an employee card in the first 3 months.
Benefits
Estimated benefits
Capital One Venture X Business
~$300/yr
United Business Card
~$620/yr
Benefit highlights
Capital One Venture X Business
Airport Lounge Access · Annual Travel Credit · Capital One Travel Booking Tools · +1 more
United Business Card
$125 United Travel Credit · $100 United Hotels Credits · $100 Rideshare Credits · +6 more
Profile
Credit needed
Capital One Venture X Business
Excellent
United Business Card
Good
Network
Capital One Venture X Business
mastercard
United Business Card
—
Reward type
Capital One Venture X Business
Miles
United Business Card
Miles