Discover the pros and cons of US Bank’s four different corporate credit card options and see if they're right for your business.
WRITTEN & RESEARCHED BY
Lead Staff Writer
Last updated onUpdated
REVIEWED BY
Editor & Senior Staff Writer
| Total Rating | 3.6 |
|---|---|
| Rewards & Perks3.5 | |
| Rates & Fees3.0 | |
| Features5.0 | |
| Eligibility Requirements3.2 | |
| Customer Service3.5 | |
| User Reviews2.1 | |
Table of Contents
US Bank is a traditional banking institution with 2,000+ physical branches throughout the US, as well as online services for both consumers and businesses. US Bank was established in 1863 and has approximately 11 million customers. It’s #107 on the Fortune 500 list, and while it primarily has branches on the West Coast and the Midwest, the company has recently started to expand to the East Coast.
For businesses, US Bank offers a variety of services including:
The US Bank Commercial Rewards card is a fairly new US Bank product that offers the liability protection of a corporate card with advanced expense management features and API integrations to fit large businesses.
Described as the “all-in-one commercial card,” this US Bank card is designed for businesses with $10M – $150M in annual revenue and encompasses the features you’d expect from a corporate card like expense management, reward points, cash flow management, reporting, and liability protection, while also throwing in unique travel management features like built-in travel booking.
US Bank’s corporate card collection offers a combination of no monthly fees, cashback rewards, and unique features for managing different expenses like travel management, earning US Bank a spot on our list of the best corporate credit cards for businesses as the best option for medium to large-sized businesses.
It’s worth noting that US Bank offers three other corporate credit card options that are geared toward various business sizes and needs, including US Bank’s Purchase Corporate Card, the Travel Corporate Card, and the One Card which is an all-in-one corporate credit card for smaller businesses that don’t qualify for or require the advance features of the Commercial Rewards Card. There are several virtual corporate card options as well. Contact US Bank directly or head to the company’s website for information about these specific cards.
| Rewards & Perks3.5 |
|---|
| Rewards Earning 3.4 |
| Rewards Redemption 3.6 |
For being called the Commercial Rewards Card, US Bank is not very forthcoming about available rewards. The company says you can “earn points” or “earn rebates” but doesn’t provide much more information beyond this. US Bank does say that you can “earn rebates faster with lower spend thresholds compared to traditional commercial credit cards,” but we wish the company was more transparent about how their rewards earning and reward redemption structure works.
Through our research and contacting support, we were able to verify that the Commercial Rewards Card includes the following:
You can redeem rewards for gift cards or donate your rewards through Charity On Top.
| Rates & Fees3.0 |
|---|
| Annual Fee 5.0 |
| Other Fees 1.0 |
The Commercial Corporate Card has no monthly fee or annual fee.
Unfortunately, US Bank is not transparent about additional fees like wire transfers, foreign transactions, additional card fees, etc. You’ll need to contact US Bank directly to learn about these fees.
| Eligibility Requirements3.2 |
|---|
| Business Requirements 4.0 |
| Personal Guarantee 0.0 |
The Commercial Corporate Card requires businesses to have an annual revenue of $10M-$150M to qualify. US Bank says: “Underwriting based solely on the creditworthiness of the company.” So you’re business credit score will likely be factored in as well as your credit history for the past two years.
The application process can take as little as 20 minutes and likely requires standard documentation that we outline in our guide on how to get a corporate credit card.
Because of the large revenue requirements, the US Bank Commercial Rewards Card is ideal for medium to large businesses, but small businesses with very strong revenue may find this card a good fit as well.
| Features5.0 |
|---|
| Business Perks 5.0 |
| Extra Benefits 5.0 |
Where the US Bank Commercial Rewards Card shines is its features. The card offers standard expense management features along with more advanced features like cash flow management and seamless API integrations. The Commercial Rewards Card also offers unique travel management features through TravelBank.
Here are some of the features you’ll find with the Commercial Rewards Card:
| Customer Service3.5 |
|---|
| Support Options 5.0 |
| Support Quality 2.0 |
US Bank receives many customer complaints when it comes to customer service. There are a few positive reviews for the management of specific branches, but it seems that the experience can vary significantly from branch to branch.
| US Bank Corporate Card Customer Service | Availability |
|---|---|
| Phone Support | |
| Email Support | |
| Support Tickets | |
| Live Chat | |
| Dedicated Support Representative | |
| Knowledge Base or Help Center | |
| Videos & Tutorials | |
| Company Blog | |
| Social Media |
US Bank does provide many support options, and in other US bank products we review, like US Bank’s business banking services, US Bank has an extensive knowledge base to address customer reviews. Unfortunately, the company’s knowledge base for corporate credit card information is not yet built. We know that some of US Bank’s corporate card offerings are still new, so hopefully, the company will address this in the coming months.
The good news is that the Commercial Rewards Card comes with 24/7 customer support.
| User Reviews2.1 |
|---|
| User Feedback 2.0 |
| Review Site Aggregate 2.2 |
If you spend any time looking at US Bank customer reviews, you’ll see an overwhelming number of negative customer reviews. Many of the negative reviews are regarding the company’s banking products and revolve around reports of unexplained account closures, issues with payment refunds, and poor customer support.
Because US Bank’s Commercial Rewards Card is still newer, finding any reviews specific to this corporate card is like searching for a needle in a haystack. Generally, I wouldn’t be too alarmed about this and would often give a company a bit of a grace period for not having reviews of newer products; however, the sheer number of negative reviews of the company as a whole and the almost entire lack of any positive customer reviews don’t give much confidence in US Bank as a whole.
US Bank does not provide information on its data storage or security practices. However, there are many built-in fraud protection features built into US Bank’s corporate credit card offerings, like built-in liability coverage for card misuse and up to $100k in liability waiver cover per cardholder (features vary from card to card but all include some level of card control and fraud protection).
US Bank Commercial Rewards Card stands out as a good card for medium to large size businesses with substantial annual revenue that need the ability to manage expenses, employee spending, and travel all in one place. The Commercial Rewards card has no monthly fee, decent reward points earning, 24/7 customer support, cash flow management, and notable API integrations with HR software and account software to make managing your business finances easier.
Because US Bank is still growing its corporate card reputation, there are hardly any customer reviews specific to the corporate cards, and there’s virtually no information about them in the US Bank’s knowledge base.
Apart from a negative online company reputation, the biggest downside of US Bank corporate cards is the lack of full transparency regarding its fees and rewards redemption. We hope that US Bank is more forthcoming with this information in the future and works to address the numerous negative reviews the company receives.
This card could still be a good option for larger businesses that could benefits from this card’s advanced features and want to work with a traditional bank, rather than a fintech company, that provides additional services like banking, loans, merchant services, and more.
If you still need help deciding, see how US Bank stacks up against our other best corporate credit cards for businesses.
Merchant Maverick has been researching and reviewing business credit cards and corporate cards since 2018. Our writers have evaluated over sixty different business card products. In each corporate card review, we evaluate rewards and perks, rates and fees, features, eligibility requirements, customer service, and user reviews. Read more about how we rate corporate cards.
Note: We use a different credit card rating methodology to evaluate traditional business credit cards, as they often differ from corporate cards in benefits, qualifications, and use cases.
When comparing corporate cards, we consider many data points, including the specifics of cash back and spending rewards, the presence of annual fees, the breadth and flexibility of reward redemption options, revenue and time in business qualifications, credit score requirements, and extra perks. Our lists of the best corporate cards include only those we’ve deemed worthwhile from multiple vantage points and often share qualities such as widespread availability, low fees, competitive rewards, and reasonable revenue, cash-on-hand, and time in business requirements.
We spend an average of 10-15 hours researching and updating each one of our lists, making sure the corporate cards included meet our internal standards for quality and reputation.
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Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
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