Capital One Spark Cash Plus vs U.S. Bank Cash+®
Side-by-side comparison
| Capital One Spark Cash Plus | U.S. Bank Cash+® | |
|---|---|---|
| Annual fee | $150 | No annual fee |
| Welcome offer | $2,000 cash back | $250 rewards bonus |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 1% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $546 |
| 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 Cash+® about $546, 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 Cash+® 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 $204 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 Cash+® pays plain cash back. Favor the Capital One Spark Cash Plus if you will use travel transfers, the U.S. Bank Cash+® 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, office supplies.