The Commonwealth National Bank is a business credit card from Commonwealth National Bank. Application typically pulls a credit report from TransUnion. The annual fee is $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees.. The ongoing APR is 18.49% to 25.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (APR for purchases; terms accurate as of 10/2026). Signup bonus: 20,000 bonus points (worth up to $200). Rewards: More Rewards. Less Rules. 2X points Per $1 spent in your top two spend categories each month – automatically 1X points Per $1 spent on all other eligible purchases 20,000 bonus points (worth up to $200) When you spend $500 on the Authorized Officer’s card within the first 90 days of account opening 5X points On prepaid hotels and car rentals booked directly in the Travel Center when you use your card.