The U.S. Bank Commercial Rewards Card, powered by TravelBank, is great for middle market businesses with annual revenue of $10 to $150 million. This corporate credit card is also viable for those who want a travel and expense management platform and the advantage of corporate liability Corporate liability helps protect corporations against operational risks, such as financial losses, employees’ health and accidents, and theft. over personal liability. Compared to traditional business credit cards, this card lets you earn rebates with lower spend thresholds.
 U.S. Bank Commercial Rewards Card | |
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Qualifications | Terms |
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Costs | |
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When evaluating corporate credit cards, such as the U.S. Bank Commercial Rewards Card, we consider the features included in their expense management systems and the fees and rewards.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Features (Expense Management System) | 50 | 60 |
Fees | 20 | 20 |
Rewards | 10 | 20 |
Total Score | 80 | 100 |
Who the U.S. Bank Commercial Rewards Card Is Best For
- Businesses with $10 to $150 million in annual revenue: This card is great for those who have $10 to $150 million in annual revenue as you can enjoy corporate liability Corporate liability helps protect corporations against operational risks, such as financial losses, employees’ health and accidents, and theft. .
- Those who want an all-in-one card: This card lets you manage travel and expenses in one management platform and allows you to earn rebates with a lower spend threshold.
Pros & Cons of the U.S. Bank Commercial Rewards Card
| PROS | CONS |
|---|---|
| Lets you enjoy $0 annual and platform fees | Requires you to pay your balances in full each month |
| Allows you to manage all of your travel and business expenses in one platform | Does not offer specific rewards for cardholders |
| Offers corporate liability | Is only viable for businesses with $10 to $150 million in annual revenue |
U.S. Bank Commercial Rewards Card Rewards
The Commercial Rewards Card offers the choice between either rebates or points. You can save money by earning 1% cash back on eligible purchases with lower spend thresholds. Or earn points with multipliers on travel booked through the platform.
U.S. Bank Commercial Rewards Card Features
- Accounting integration: Integrate all of your expenses and travel with QuickBooks Online, Xero, NetSuite, and more
- Integrated policies: Set card controls and create customized policies for expenses and travel to fit your business needs
- Device compatibility: Connect the Commercial Rewards platform on iOS and Android devices (with Android 6.0 Marshmallow and higher)
- Online reporting: Get two reporting options:
- Core insights for basic reporting
- Premium insights for more robust spending needs
- Adding employee cards: Assign program administrators to manage your employees’ card program by creating, maintaining, and closing cardholder accounts
- Billing options: Get issued corporate billed accounts for each month
- Underwriting: Secure underwriting based on your company’s creditworthiness; note that two years’ worth of audited financials and current and prior year interim financials are required
U.S. Bank Commercial Rewards Card Fees
The U.S. Bank Commercial Rewards Card charges $0 annual and platform fees; note that standard TravelBank fees may apply. It also offers basic expense and travel management and requires you to pay your balances in full each month.
A premium plan is available for those with a TravelBank contract. You may contact a sales representative for additional information and pricing for the plan.
- Online: Make payments electronically via autopay or within the Commercial Rewards Card platform.
- Phone: Call the number on the back of your card or (800)390-0606.
- Mail: Send your check or money order through regular mail or overnight delivery:
Regular mail:
Corporate Payment Systems
PO Box 790428
St. Louis, MO 63179
Overnight delivery:
Corporate Payment Systems
830 North 11th St
Department 790428
St. Louis, MO 63101
1-866-257-2861
U.S. Bank Commercial Rewards Card Alternatives
Ramp Credit Card
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Consider the Ramp Credit Card as an alternative corporate credit card if you want a straightforward rewards program. It lets you earn unlimited 1.5% cash back on all purchases and offers higher credit limits compared to other corporate or business credit cards.
Coast Fuel Card
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
- 2 to 10 cents off per gallon everywhere Visa is accepted
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
- 2 to 10 cents off per gallon everywhere Visa is accepted
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
If you are a business owner who has significant gas expenses and does not need a personal guarantee, then this fuel business credit card is a great alternative. It also offers fixed-rate cash back for nonfuel purchases and exclusive partner rewards and discounts—which can be perfect for your business.
Emburse Spend Card
 Emburse Spend CardBEST FOR: Earning unlimited cash back rewards | |
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Spending Limit | Load Limit |
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Business owners who do not have $10 to $150 million in annual revenue may want to consider the Emburse Spend Card. Aside from the fixed-rate rewards, you can issue physical and virtual cards at no additional cost and enjoy a maximum load limit of $50,000.
Frequently Asked Questions (FAQs)
TravelBank is a fintech company that was acquired by U.S. Bank in 2021. It provides an all-in-one, tech-driven expense and travel management solution.
You may call (866) 274-5898 for a representative to help process your application and tailor it to your business needs.
U.S. Bank has branches in the following states:
- Arizona
- Arkansas
- California
- Colorado
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Minnesota
- Missouri
- Montana
- Nebraska
- Nevada
- New Mexico
- North Dakota
- Ohio
- Oregon
- South Dakota
- Tennessee
- Utah
- Washington
- Wisconsin
- Wyoming
Bottom Line
The U.S. Bank Commercial Rewards Card comes with an all-in-one expense and travel management platform. It is great if your business has an annual revenue of $10 to $150 million. Aside from enjoying $0 annual and platform fees, this corporate credit card lets you earn rebates faster than any traditional business credit card.
