Capital One vs U.S. Bank
U.S. Bank CASHBACK earns 17.74% APR versus Capital One CASHBACK's 18.49% APR, making U.S. Bank the lower-cost option for carried balances. Both products have $0 minimums, $0 monthly fees, and FDIC protection, so the rate difference is the primary distinguishing factor.
Option A
Capital One
18.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Open with Capital One →Option B
U.S. Bank
- Min
- $0
- Fee
- $0/mo
Best for: Earn unlimited 2% cash back on every purchase
Open with U.S. Bank →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 8/16/2026.