Capital One Spark Cash Plus vs U.S. Bank Business Leverage® Visa Signature®
Side-by-side comparison
| Capital One Spark Cash Plus | U.S. Bank Business Leverage® Visa Signature® | |
|---|---|---|
| Annual fee | $150 | $95 |
| Welcome offer | $2,000 cash back | $600 in rewards |
| Advertising | 2% | 2% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 2% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $684 |
| Points type | Pools with Capital One → transferable | Cash back only |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Capital One Spark Cash Plus | U.S. Bank Business Leverage® Visa Signature® |
|---|---|---|
| Welcome bonus | $2,000 cash back | $600 in rewards |
| To earn it | $30,000 in 3 months | $6,000 in 120 days |
| Est. first-year value* | $2,750 | $1,189 |
| Est. ongoing value / yr* | $750 | $589 |
The Capital One Spark Cash Plus wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Capital One Spark Cash Plus | U.S. Bank Business Leverage® Visa Signature® |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Transferable (paired with a premium card) | Cash back only |
On perks and redemptions, the Capital One Spark Cash Plus earns transferable points with a higher redemption ceiling, while the other is capped nearer a flat cent. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Only the Capital One Spark Cash Plus earns transferable points. Its Capital One miles move to Air Canada, Avianca LifeMiles, Turkish, British Airways, and Emirates, where a point can be worth several cents on a premium-cabin redemption, far above its cash value. The U.S. Bank Business Leverage® Visa Signature® pays flat cash back, worth about a cent, so its ceiling is nearer a penny per point no matter how you redeem.
The verdict
On a typical year of business spending, the Capital One Spark Cash Plus earns about $900 a year in rewards and the U.S. Bank Business Leverage® Visa Signature® about $684, valuing every point at a flat 1 cent. The Capital One Spark Cash Plus charges $150, which you clear through its rewards and perks. The U.S. Bank Business Leverage® Visa Signature® charges $95, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Capital One Spark Cash Plus delivers more total value, about $161 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and shipping. The bigger difference is the ceiling: the Capital One Spark Cash Plus earns points you can move to travel partners for outsized value, while the U.S. Bank Business Leverage® Visa Signature® pays plain cash back. Favor the Capital One Spark Cash Plus if you will use travel transfers, the U.S. Bank Business Leverage® Visa Signature® if you want simplicity. On the sign-up bonus, the Capital One Spark Cash Plus currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One Spark Cash Plus if your spending leans toward shipping, everything else.