Capital One Spark Cash Plus vs U.S. Bank Triple Cash Rewards Business Card
Side-by-side comparison
| Capital One Spark Cash Plus | U.S. Bank Triple Cash Rewards Business Card | |
|---|---|---|
| Annual fee | $150 | No annual fee |
| Welcome offer | $2,000 cash back | $750 cash back |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 3% |
| Phone & internet | 2% | 3% |
| Travel | 2% | 1% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $630 |
| 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 June 2026. See your own numbers in the calculator.
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 Triple Cash Rewards Business Card about $630, 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 Triple Cash Rewards Business Card has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Capital One Spark Cash Plus delivers more total value, about $120 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. 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 Triple Cash Rewards Business Card pays plain cash back. Favor the Capital One Spark Cash Plus if you will use travel transfers, the U.S. Bank Triple Cash Rewards Business Card 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 advertising, shipping, travel. Pick the U.S. Bank Triple Cash Rewards Business Card if your spending leans toward office supplies, phone & internet.