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All comparisons
Head-to-head, 2026

Capital One Venture Rewards U.S. Bank Business Essentials Plus Visa Signature Card

Capital One Venture Rewards

$95/yr

Venture Rewards
Business Essentials Plus Visa Signature Card

U.S. Bank Business Essentials Plus Visa Signature Card

$295/yr

Every $1 · two cards

Capital One Venture Rewards earns more in 7 of 9 categories · U.S. Bank Business Essentials Plus Visa Signature Card in 1

  • Dining
    2×3.6¢ per $1
    2×2¢ per $1
  • Groceries
    2×3.6¢ per $1
    2×2¢ per $1
  • Gas
    2×3.6¢ per $1
    2×2¢ per $1
  • Flights
    2×3.6¢ per $1
    2×2¢ per $1
  • Hotels
    5×9¢ per $1

    via Capital One Travel

    10×10¢ per $1

    via Travel Center

  • Everything else
    2×3.6¢ per $1
    2×2¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Capital One Venture RewardsBigger welcome offer: Capital One Venture Rewards

Capital One

Venture Rewards

Annual fee
$95
Network
visa
Welcome value
$1,050
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Hotels, vacation rentals, and rental cars · Capital One Miles
  • 5×Capital One Entertainment purchases · Capital One Miles
  • 2×Every purchase · Capital One Miles

Key benefits

  • Global Entry or TSA PreCheck credit · $120
  • $50 Lifestyle Collection experience credit · $50
  • Capital One Offers · $0
  • Capital One Entertainment access · $0
  • No Foreign Transaction Fees · $0
Full Capital One Venture Rewards review

U.S. Bank

Business Essentials Plus Visa Signature Card

Annual fee
$295
Network
visa
Welcome value
$1,000
Min spend
$15,000 / 5mo

Top earning rates

  • 10×Prepaid car and hotel reservations · U.S. Bank cash back points
  • 5×Top eligible spend category · U.S. Bank cash back points
  • 3.5×Eligible Net Purchases · U.S. Bank cash back points
  • 3×Eligible Net Purchases · U.S. Bank cash back points

Key benefits

  • No benefits on file
Full U.S. Bank Business Essentials Plus Visa Signature Card review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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