City National Visa® Commercial Credit Card with Rewards
How we calculate effective rate →
The City National Visa® Commercial Credit Card with Rewards from City National Bank earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1% back.
What does the City National Visa Commercial Credit Card with Rewards earn in each category?
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how City National Visa Commercial Credit Card with Rewards compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how City National Visa Commercial Credit Card with Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the City National Visa Commercial Credit Card with Rewards?
The City National Visa Commercial Credit Card with Rewards fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back.
City National Visa Commercial Credit Card with Rewards fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1% effective (1% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
Does the City National Visa Commercial Credit Card with Rewards have an annual fee?
The City National Visa Commercial Credit Card with Rewards has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the City National Visa Commercial Credit Card with Rewards?
The City National Visa Commercial Credit Card with Rewards includes Auto Rental Collision Damage Waiver, Booking.com, OpenTable in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Auto Rental Collision Damage Waiver
$10/yr(ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
Purchase Security and Extended Protection
$10/yrPurchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Roadside Dispatch®
$10/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Related encyclopedia topics
Common questions about the City National Visa Commercial Credit Card with Rewards
Does the City National Visa Commercial Credit Card with Rewards have an annual fee?
The City National Visa Commercial Credit Card with Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the City National Visa Commercial Credit Card with Rewards?
Dining is the strongest Madeen category for the City National Visa Commercial Credit Card with Rewards at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the City National Visa Commercial Credit Card with Rewards charge foreign transaction fees?
The City National Visa Commercial Credit Card with Rewards charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the City National Visa Commercial Credit Card with Rewards?
Madeen's catalog lists a typical credit range of Good to Excellent for the City National Visa Commercial Credit Card with Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the City National Visa Commercial Credit Card with Rewards?
Rewards on the City National Visa Commercial Credit Card with Rewards post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the City National Visa Commercial Credit Card with Rewards?
To maximize the City National Visa Commercial Credit Card with Rewards, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the City National Visa Commercial Credit Card with Rewards compare to similar cards?
Compare the City National Visa Commercial Credit Card with Rewards against City National Bank Visa Everyday Rewards+ (4% on Dining, $0 fee); City National Bank Visa Business Cash Preferred (3% on Dining, $0 fee); City National Crystal Visa Infinite (3% on Dining, $400 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
City National Visa Commercial Credit Card with Rewards This card | Dining | 1% | $0 |
City National Bank | Dining | 4% | $0 |
City National Bank | Dining | 3% | $0 |
City National Bank | Dining | 3% | $400 |
City National Bank | Dining | 2% | $390 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Madeen may earn compensation from apply links. Affiliate disclosure