Ink Business Cash® vs U.S. Bank Cash+®
Side-by-side comparison
| Ink Business Cash® | U.S. Bank Cash+® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $250 rewards bonus | |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 5% | 1% |
| Phone & internet | 5% | 1% |
| Travel | 1% | 5% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $684 | $738 |
| Points type | Pools with Chase → transferable | Cash back only |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Ink Business Cash® earns about $684 a year in rewards and the U.S. Bank Cash+® about $738, valuing every point at a flat 1 cent. The Ink Business Cash® has no annual fee, so its rewards are all profit. The U.S. Bank Cash+® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the U.S. Bank Cash+® delivers more total value, about $54 a year more for a typical spender, mostly because it earns more where you spend most, on travel. The bigger difference is the ceiling: the Ink Business Cash® earns points you can move to travel partners for outsized value, while the U.S. Bank Cash+® pays plain cash back. Favor the Ink Business Cash® if you will use travel transfers, the U.S. Bank Cash+® if you want simplicity. On the sign-up bonus, the Ink Business Cash® currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Ink Business Cash® if your spending leans toward office supplies, phone & internet. Pick the U.S. Bank Cash+® if your spending leans toward travel.