Capital One Spark Cash Plus vs U.S. Bank Triple Cash Rewards: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus and U.S. Bank Triple Cash Rewards — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Capital One Spark Cash Plus wins on our scorecard (7.9/10 vs 7.8/10).
| Scored on | Capital One Spark Cash Plus | U.S. Bank Triple Cash Rewards |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 9 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $150 (Refundable) | $0 |
| Late Payment Fee | 2.99% of balance | — |
| Foreign Transaction Fee | None | 3% |
| Employee Card Fee | $0 | — |
| Intro APR | — | 0% for 12 months |
| Software Credit | — | $100 annually |
Capital One Spark Cash Plus in one paragraph
A powerhouse 2% cash-back engine for high-revenue businesses that don't mind a personal guarantee.
Skip it if: You need to carry a balance from month to month or have a credit score below 700.
U.S. Bank Triple Cash Rewards in one paragraph
The U.S. Bank Triple Cash Rewards is the best no-fee option for service-based businesses that spend heavily on fuel and office supplies.
Skip it if: Skip it if you do most of your business spending at wholesale clubs like Costco or if you need to carry a balance long-term beyond the intro period.
Frequently asked questions
Which is better, Capital One Spark Cash Plus or U.S. Bank Triple Cash Rewards?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.9/10 vs 7.8/10). A powerhouse 2% cash-back engine for high-revenue businesses that don't mind a personal guarantee.
Who should skip Capital One Spark Cash Plus?
You need to carry a balance from month to month or have a credit score below 700.
Who should skip U.S. Bank Triple Cash Rewards?
Skip it if you do most of your business spending at wholesale clubs like Costco or if you need to carry a balance long-term beyond the intro period.