Visa® Commercial Credit Card

Visa® Commercial Credit Card


Whether you need a business credit card for everyday expenses or travel and entertainment, a City National Visa Commercial Card makes it easier for you to manage your business needs.1


Your City National Visa Commercial Card can be used at millions of merchants worldwide, wherever Visa credit cards are accepted. Plus, you can manage your accounts simply and securely online, integrate and map data directly to your expense management or enterprise resource planning (ERP) systems, and use cards with mobile payment platforms such as Apple Pay®, Google Pay™ and Extend.2

Virtual Credit Cards

Watch the video below to learn how Extend2 is a simple way to issue virtual cards to employees.



Secure Web and Mobile Access You can access your account online to review transaction data, produce reports, and monitor your business expenses, all through a secure, mobile-friendly, easy-to-use web browser interface.
Easy Account Creation Create new accounts and order cards online. Receive new cards within 7 to 10 days from submission, or request expedited delivery if a rush is required.
Real Time Account Management 

Define and control levels of access, set individual employee credit limits, review transactions, and restrict merchants and categories for which the card can be used.

Authorizations and Declines View transaction authorizations and declines as they occur.
Multiple Billing Cycle Options

Select the appropriate billing cycle to help you manage cash flow.

Manage Accounts and Statements Online

Make payments from several different accounts or just one. You have the option to select statement amount, other amount or current balance.

Complete and Manage Expense Reports Online Employees can create expense reports and attach scanned receipts, which are routed through your designated approval workflow.
View and Download Transaction Data

View and download standard and customized reporting: merchant category reports, approved expense reports, and transaction-level data at the account and cardholder level.

Transfer Data to Accounting Programs Integrate and map data directly to your expense management or ERP systems.
Improve Expense Management

Understand and better manage expenses and vendor/category spend through reports and dashboards.


Simplify Your Spend with Extend2 Extend is a mobile and web solution that allows you to issue unique virtual cards from your Commercial Credit Card account, providing your employees with immediate access to funds to conduct transactions on behalf of the business. With Extend, you gain control and visibility. You can define spending limits3 and validity dates for recipients to spend the funds, as well as view and download transaction data for easy monitoring and reconciliation. To learn more, watch this short video.
Apple Pay and Google Pay Use your Commercial Card with Apple Pay and Google Pay for added speed, security and convenience when making purchases in-store, in-app and online.4 Learn more about mobile wallets.

Visa Benefits5

Auto Rental Collision Damage Waiver Provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles.


Lost Luggage Reimbursement

Provides reimbursement if your checked luggage or carry-on baggage and/or its contents are lost due to theft or misdirection by the common carrier.

Travel and Emergency Assistance Services

Puts the cardholder in touch with the appropriate emergency services should the need arise.

$100,000 Travel and Accident Insurance Coverage

Automatically insures the cardholder against accidental loss of life, limb, sight, speech or hearing while riding as a passenger, in any licensed common carrier, provided the entire cost of the passenger(s) fare has been charged to the Visa credit card.

$100,000 Liability Waiver for Card Misuse Automatically protects your business against certain eligible losses incurred through card misuse by eligible cardholders.



If your Commercial Card comes with City National Rewards,5 you’ll enjoy the following benefits.

Earn on Every Purchase

Earn one Point per $1 spent on purchases made on any City National Commercial Card registered to your business.6

No Cap on Rewards Points

There’s no cap on Points and your Points do not expire as long as your account remains open and the Rewards Program has not ended.7

Redeem Points for Travel, Statement Credits and More

Points can be redeemed for airline tickets, gift cards, cash back,8 merchandise, charities and much more.

Accelerated Rewards

Combine Points from all of your City National business and personal credit cards that come with City National Rewards to earn premium Awards more quickly. 9

Air Travel Flexibility

Use Rewards Points to purchase airline tickets on most national and international carriers anytime, with no blackout dates.

Learn more about City National Rewards Program Terms, Conditions and Program Rules.

If you prefer, we offer a Visa Commercial Card without Rewards5, 10 and no annual fee. Ask us for details.

Report a Lost or Stolen Card

Notify us as soon as possible if your card is lost or stolen. Please call (877) 529-0473.

Getting Started

To learn more, call us at (800) 773-7100, Monday through Thursday, 6:00 a.m. to 5:30 p.m., and Friday, 6:00 a.m. to 6:00 p.m. (PT). You can also contact us online or visit one of our local City National locations.


  1. Subject to credit approval.
  2. Extend refers to both the Extend web solution and the Extend mobile application provided by Extend Enterprises, Inc. The mobile application is available for download in the Apple App Store® and Google Play store. This third party service allows you and your employees to extend use of your City National Visa Commercial Card through the application subject to the terms and conditions governing the credit card. Extend Enterprises, Inc. is not an affiliate of City National Bank.
  3. Certain spending limits apply. Ask us for details.
  4. Apple Pay and Google Pay are available for in-store, in-app and online purchases on Apple Pay- and Google Pay-equipped devices, respectively, at participating merchants.
  5. Points are earned on net purchases only (purchases less returns and credits). PIN-based and ATM transactions do not earn Points.
  6. Certain restrictions, limitations and exclusions apply. Ask us for details.
  7. As long as your Commercial Card account is open and the Rewards Program has not ended, your Points do not expire. If, however, your Commercial Card account is closed, any unredeemed Points remaining on the date of account closure are forfeited and expire. If the Rewards Program is terminated for any reason, you will be notified, in which event you will have at least 60 days to redeem your Points. After this redemption period, any unredeemed Points will expire. See the City National Rewards Program Terms, Conditions and Program Rules and FAQs for details.
  8. Rewards Points can be redeemed for cash back credits, via ACH, to the U.S. deposit account of your choice. Taxes on points, if any, are cardholder's responsibility.
  9. Certain restrictions apply for combining Points from business and personal City National Visa Credit Cards that come with City National Rewards. See City National Rewards Householding Program Rules for details.
  10. Visa Commercial Credit Card without City National Rewards may be eligible for cash rebate based on minimum net annual spend. Ask us for details.

City National Rewards is a registered trademark owned by City National Bank. 
Apple Pay is a registered trademark of Apple Inc.
Google Pay is a trademark of Google LLC.
Visa is a registered trademark owned by Visa International Service Association and is used under license.