U.S. Bank Cash+ Visa Signature Card vs Capital One Spark Cash Plus

Side-by-side comparison of U.S. Bank Cash+ Visa Signature Card and Capital One Spark Cash Plus. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	U.S. Bank Cash+ Visa Signature Card	Capital One Spark Cash Plus
Issuer	U.S. Bank	Capital One
Network	Visa	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$0.00	$150.00
Base Rate	1.00%	2.00%
Travel Rewards	5.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	2.0% (base)
Two categories you choose each quarter (up to $2,000/quarter)	5.0%	2.0% (base)
Airline	5.0%	2.0% (base)
Hotels	5.0%	2.0% (base)
Travel	5.0%	2.0% (base)
One everyday category you choose each quarter	2.0%	2.0% (base)
Hotels via Capital One Travel	1.0% (base)	5.0%
Rental Cars via Capital One Travel	1.0% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	19.49% - 29.74%	null% - null%
Cash Advance APR	29.99%	N/A
Penalty APR	N/A	N/A
Late Fee	$41	$39
Balance Transfer Fee	undefined% (min $0)	N/A

Insurance & Protections

Auto Rental	Secondary	Primary (when renting for business purposes)
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	Extends warranty by 1 year
Purchase Protection	—	Covered up to $10,000 per claim
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard