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US BankChecked Oct 4, 2026

Commercial Rewards Credit Card

No annual fee.

Annual fee

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender$0$0
Typical spender$0$0
Heavy spender$0$0
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

  • No annual fee, like about 85% of the 626 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Rates and fees

Rates and fees for the Commercial Rewards Credit Card, each with its source
Annual fee

Carrying a balance? See how long it takes to pay off

Benefits

  • Integrated travel booking and tracked receipts.
  • Points may be redeemed with airlines and select hotels.
  • Corporate-level liability.
  • Integrated card, expense and travel management platform powered by TravelBank.

Questions

What is the annual fee?
No annual fee usbank.com, since Sep 29, 2026

Other cards without rewards with no annual fee

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).