Which credit card earns more cashback overall?

Based on identical spending inputs, you’ll earn cashback per year with American Express Plum Card and $276.52 with U.S. Bank Business Leverage Visa Signature Card. For context, the average annual rewards payout from the business rewards credit cards in the investor.com database is $181.73. The annual rewards payout assumes you charge $2,580 each month spread across the following spending categories: Cell Phones ($516), Dining ($516), Gas ($258), Office Supplies ($387), Travel ($387), and Other ($516). The dollar amounts for each category are based on average small-business spending data (how much business spend proportionally in each category) from the U.S. Bureau of Labor Statistics and other sources. We encourage you to use our business card rewards calculator to customize the amounts based on your business’s actual spending patterns. To ensure the most accurate results possible, the rewards calculations for American Express Plum Card and U.S. Bank Business Leverage Visa Signature Card incorporate bonus rewards rates, spending caps, default rewards rates and annual fees, where applicable.

Is the American Express Plum Card good?

Flexibility is the name of the game with the Amex Plum Card, but at what cost? (We can answer that: $250 a year.) While not technically a “rewards card” — or a “credit card” for that matter, since it requires paying off each month’s balance in full — this business card offers 1.5% cash back on balances you pay off early. Forgoing the early bird special buys you extra time (60 days) to settle your tab. Worth it if you need a no-limit charge card when you’re short on cash; less so if you’re all about maximizing rewards. thumb_up Likes Unlimited 1.5% cash back (aka “Early Pay Discount”) on the portion of your balance paid within 10 days of statement closing dateEarly Pay Discount applied automatically to next statement as a creditNo spending categories to track60-day no-interest grace period when minimum payment is paid by the due dateNo foreign transaction feesNo preset spending limit (this is a charge card you must pay off each month) makes it good for high-dollar expensesUp to 99 employee cards availableComes with Amex’s extended warranty/purchase protection, car rental loss/damage insurance, Global Assist Hotline) thumb_down Dislikes 1.5% cashback applies only to amount of balance paid earlyHard to justify the $250 annual fee for businesses aiming to optimize rewards0% cashback on purchases not paid during the “Early Pay Discount” windowHigh “minimum payment” hurdle: 10% of the balance from new card activity, plus the entirety of any previously deferred balanceSteep $15,000 spending requirement in first three months to earn $500 statement creditBalance must be fully paid off within 60 days or ugly fees applySpending limit may vary, based on your credit/payment history and spending behavior Category Default Rate Bonus Rate Bonus Spend Cap Bonus Spend Period (Months) Cell Phone - - - - Dining 1.50% - - - Gas 1.50% - - - Travel 1.50% - - - Office Supplies - - - - Other Purchases 1.50% - - -

American Express Plum Card vs U.S. Bank Business Leverage Visa Signature Card 2023

Q: Is the U.S. Bank Business Leverage Visa Signature Card good?

Think “rotating rewards card without the need to strategize your spending.” And also “minus a decent rewards rate,” come to think of it. thumb_up Likes Automatic 2% cashback on two top spending categories$750 intro bonus when you spend $7,500 within the first 120 days5% cashback on prepaid hotels and car rentals booked through U.S. BankOffers real-time rewards redemptionsNo cashback limitNo foreign transaction fees thumb_down Dislikes $95 annual fee kicks in after 12 monthsNarrow rewards spending categories = smaller earning potentialJust 1% cashback base rateRewards expire after 5 yearsNo 0% intro APR on purchases or balance transfers Category Default Rate Bonus Rate Bonus Spend Cap Bonus Spend Period (Months) Cell Phone 2.00% - - - Dining 1.00% - - - Gas 1.00% - - - Travel 1.00% - - - Office Supplies 1.00% - - - Other Purchases 1.00% - - -

Written by investor.com

In head-to-head competition, which of these rewards credit cards wins out? Here’s what each has to offer and how they fare when put to the ultimate test — the cash back you’ll earn for using them.

American Express Plum Card
The Plum Card from American Express pays an unlimited 1.5% cash back (Early Pay Discount) on the portion of your balance you pay within 10 days of your statement closing date. The card’s Extra Days to Pay option allows you to defer payment of the remainder of your new balance until the payment due date on your next billing statement without incurring interest, as long as you pay at least the minimum payment due.

U.S. Bank Business Leverage Visa Signature Card
Earn 2% cash back in the top two categories where you spend the most each month automatically and 1% cash back per dollar spent on all other eligible purchases. Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owner’s card within the first 120 days of opening your account. No annual fee for the first year and $95 thereafter.

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