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Home ‣ Business Credit Card Rewards Calculator [Year]

Capital One Spark 1.5% Cash Select vs U.S. Bank Business Leverage Visa Signature Card 2024

December 18, 2023

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.

Capital One Spark 1.5% Cash Select
Earn unlimited 1.5% cash back for your business on every purchase, no limits or category restrictions. Plus, earn a $500 cash bonus when you spend $4,500 in the first three months.

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.

Credit Card Calculator

Monthly Spend

Spend Categories expand_more

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dining Dining

local_gas_station Gas

monetization_on Other

card_travel Travel

phone_iphone Cell Phones

print Office Supplies

Calculate Cash Back

Capital One Spark 1.5% Cash Select

Read review

Cashback Per Year

$...

Annual Fee

Welcome Bonus

$500

Apply Now

U.S. Bank Business Leverage Visa Signature Card

Read review

Cashback Per Year

$...

Annual Fee

$95

Welcome Bonus

$750

Apply Now

Want to compare more cards? Use our full calculator.

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Which credit card earns more cashback overall?

Based on identical spending inputs, you’ll earn $464.40 cashback per year with Capital One Spark 1.5% Cash Select 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 Capital One Spark 1.5% Cash Select 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 Capital One Spark 1.5% Cash Select good?

Only those with excellent credit need apply for this $0-annual-fee card. With that you’re eligible for a $500 sign-up bonus, which, like the 1.5% cashback rate, is good but not 🤯.

thumb_up Likes

1.5% cashback on everything, no caps, no category restrictions
$500 cash bonus up for grabs
Cash back is redeemable at any time for any amount
$0 annual fee
No foreign transaction fees
5% cashback on hotels and rental cars booked via Capital One Travel
Plays nice with QuickBooks, Quicken and Excel

thumb_down Dislikes

Requires “excellent” credit in exchange for just “OK” terms
To clarify, 1.5% rewards rate is just “OK” in the biz card world
High sign-up bonus spending requirement
No purchase or balance transfer introductory APR offering
Punishing penalty APR (north of 30%)

Category	Default Rate	Bonus Rate	Bonus Spend Cap	Bonus Spend Period (Months)
Cell Phone	1.50%	-	-	-
Dining	1.50%	-	-	-
Gas	1.50%	-	-	-
Travel	1.50%	-	-	-
Office Supplies	1.50%	-	-	-
Other Purchases	1.50%	-	-	-

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 days
5% cashback on prepaid hotels and car rentals booked through U.S. Bank
Offers real-time rewards redemptions
No cashback limit
No foreign transaction fees

thumb_down Dislikes

$95 annual fee kicks in after 12 months
Narrow rewards spending categories = smaller earning potential
Just 1% cashback base rate
Rewards expire after 5 years
No 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%	-	-	-

More Comparisons

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Methodology

The results of the investor.com Credit Card Business Rewards Calculator are based on the monthly spending amounts you enter and the annual dollar value of the rewards each credit card program pays per $1 spent. Credit card companies often express this payout amount as a percentage (e.g., 1.5% of every dollar spent) or on a points basis (e.g. ,1.5 points for every dollar spent). We converted all of them to a dollar amount (“Cash Back Per Year”) to make comparing offers easier.

To calculate the amount of cash back you could earn per year, we factored in:

Tiered rewards rates: Some business cards pay a flat cashback rate on all purchases. Others pay higher cashback rates on purchases that fall under specific spending categories. The investor.com algorithm incorporates each issuer’s unique reward’s program to determine the “Cash Back Per Year” tally.
Spend category inputs: Based on the rewards cards in our database, cell phones, dining, gas, office supplies, travel and "other" are the categories most often used by business credit cards that feature tiered rewards programs. We encourage you to customize the monthly spend inputs for the most accurate results.
Monthly spend: The default dollar amounts for each spend category in the Business Credit Card Calculator are based on average small-business spending data from the U.S. Bureau of Labor Statistics and other sources. Click the arrow on the “Spend Categories” to customize the monthly spend inputs and find the business card with the highest payout rate for your small-business spending.
Rewards spending caps: Some cards impose category- or time-based limits (monthly, quarterly, annually) that affect the amount of rewards you can earn. For example, a card may pay 3% cash back on office supplies on up to $1,000 of spending each quarter, then revert to the base/default rewards rate until the following quarter. We accounted for bonus spending caps and timeframe in the calculations.
Default rewards rates: Purchases that exceed a spending cap are usually subject to a lower default rewards rate (e.g., 1% or 1.5%). We mathed that out too.
Annual fees: If a rewards card charges an annual fee, we deducted that amount from the “Cash Back Per Year” total to provide a true accounting of a card’s annual rewards payout.

What’s not included in the “Cash Back Per Year” total is the cash value of any sign-up/introductory bonus. We highlight any Welcome Bonus separately. While sign-up bonuses can be the most lucrative part of getting a new cashback rewards credit card, not everyone will want or be able to do what it takes to earn the extra cash. (It usually requires spending a certain amount in a specified time period after the card is activated.)

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