U.S. Bank Commercial Rewards Card Review

Pros

• No annual fee
• Rewards
• Unique features for travel management
• Additional business services like business banking available

Cons

• Complaints regarding customer service
• Many negative reviews about U.S. Bank as a whole

What Is U.S. Bank?

U.S. Bank is a traditional banking institution with online services for consumers and businesses, as well as branches across the U.S. U.S. Bank operates branches across multiple U.S. regions.

For businesses, U.S. Bank offers a variety of services including:

• Corporate credit cards
• Business banking
• Business credit cards
• Business loans
• Business lines of credit
• Merchant accounts
• Payroll services
• Fraud protection
• Legal services
• Gift cards

What Is The U.S. Bank Commercial Rewards Card?

The U.S. Bank Commercial Rewards Card offers the liability protection of a corporate card with advanced expense management features and API integrations to fit middle-market businesses. The U.S. Bank Commercial Rewards Card has corporate liability, so the company (not the business owners or employees) is responsible for charges.

Described as the “all-in-one commercial card,” this U.S. Bank card is designed for businesses with $10 million - $150 million 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.

U.S. 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 U.S. 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 U.S. Bank offers three other corporate credit card options that are geared toward various business sizes and needs, including the U.S. Bank Purchasing Card, Corporate Travel Management Card, and the One Card, which is a more robust card with advanced features. There are several virtual corporate card options as well. Contact U.S. Bank directly or head to the company’s website for information about these specific cards.

U.S. Bank Commercial Rewards Card Rewards & Perks

With the Commercial Rewards Card, you can choose between earning points or rebates. This information can be difficult to find, but it is available. Rewards range from 1% cash back or 1x - 5x points.

If you opt for points, the structure is as follows:

• 5X points on car rentals
• 4X points on lodging
• 3X points on airline spending
• 1X points on all other transactions when booked through the travel portal

You can redeem points for gift cards or donate through Charity On Top.

If you opt for the rebate, you will earn 1% cash back on qualifying purchases.

U.S. Bank Commercial Rewards Card Fees

The Commercial Rewards Card has no annual fee. There are also no additional card fees.

U.S. Bank has a 2.5% late fee and a 3% foreign transaction fee. If you make on-time payments and don’t have many international transactions, both these fees are avoidable.

U.S. Bank Commercial Rewards Card Eligibility Requirements

The Commercial Rewards Card requires businesses to have an annual revenue of $10 million - $150 million to qualify. U.S. Bank says underwriting is based on the creditworthiness of the company.

Businesses must contact U.S. Bank to learn more and begin the process. Be aware that you may need the standard documentation that we outline in our guide on how to get a corporate credit card.

Because of the large revenue requirements, the U.S. 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.

U.S. Bank Commercial Rewards Card Features

Where the U.S. Bank Commercial Rewards Card shines is in its features. The card offers standard expense management features along with more advanced features like cash flow management and 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:

• Card, expense, and travel management
• Employee spend controls
• Expense tracking
• Cash flow management
• Travel booking
• Automated receipt tracking
• Customizable card controls & policies
• Reporting & analytics
• API integrations with common accounting and HR tools, including QuickBooks Online and NetSuite

U.S. Bank Customer Service

U.S. Bank provides product-specific support for commercial card programs, but public customer reviews of U.S. Bank as a whole are mixed and are not necessarily specific to the Commercial Rewards Card.

Public self-service information for the Commercial Rewards Card is limited compared with U.S. Bank’s broader banking products. However, U.S. Bank does provide responsive, North America-based support related to their commercial card program.

U.S. Bank Commercial Rewards Card Customer Reviews

Public reviews of U.S. Bank as a whole are mixed, but those reviews are not necessarily specific to the Commercial Rewards Card.

Because there are few reviews specific to the Commercial Rewards Card, general U.S. Bank customer reviews should be treated as broader company feedback rather than direct evidence of the card experience.

Is The U.S. Bank Commercial Rewards Card Safe?

U.S. Bank says the Commercial Rewards Card platform incorporates tools and strategies designed to protect organizational financial data.

Some U.S. Bank corporate card programs include liability waiver coverage up to $100,000 per cardholder, but benefits can vary by card program and should be confirmed in the cardholder agreement or benefit guide.

Final Verdict: Is The U.S. Bank Commercial Rewards Card Worth It?

U.S. Bank Commercial Rewards Card stands out as a good card for medium to large-sized 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 annual fee, points or rebate options, responsive North America-based support, cash flow management, and API integrations with accounting and HR software.

Because U.S. Bank is still growing its corporate card reputation, there are hardly any customer reviews specific to the corporate cards, and public self-service information about the Commercial Rewards Card is limited compared with U.S. Bank’s broader banking products.

Apart from a negative online company reputation, the biggest downside is that some details, including specific fee schedules and exact rewards-earning rates, are not fully published on the Commercial Rewards Card product page. We hope that U.S. 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 benefit from advanced features and want to work with a traditional bank that provides additional services like banking, loans, merchant services, and more.

If you still need help deciding, see how U.S. Bank stacks up against our other best corporate credit cards for businesses.