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How much do commercial card jobs pay per hour?

As of Aug 12, 2026, the average hourly pay for commercial card in the United States is $22.84, according to ZipRecruiter salary data. Most workers in this role earn between $18.51 and $26.20 per hour, depending on experience, location, and employer.

What is a commercial card?

A Commercial Card job typically involves managing corporate card programs used by businesses for expense management, procurement, and payments. Professionals in this role work with clients to issue and maintain commercial credit, debit, or prepaid cards, ensuring efficiency and compliance. Responsibilities may include analyzing spending patterns, enhancing security measures, and optimizing payment solutions. They often collaborate with financial institutions, vendors, and internal teams to streamline operations. Strong knowledge of payment systems and corporate finance is essential for success in this role.

What are the key skills and qualifications needed to thrive in the commercial card position, and why are they important?

To thrive in a Commercial Card role, you need a solid understanding of financial products, account management, and payment systems, often supported by experience in corporate banking or finance. Familiarity with commercial card platforms, transaction reconciliation tools, and relevant certifications such as Certified Treasury Professional (CTP) are highly valued. Excellent communication, problem-solving abilities, and a client-focused attitude are crucial soft skills in this position. These competencies ensure effective client relationships, accurate processing, and successful management of commercial card programs in a dynamic business environment.

What does a commercial card do?

In a Commercial Card role, your daily responsibilities often include onboarding new clients, managing and analyzing cardholder transactions, resolving account inquiries, and providing ongoing support to corporate clients. You will likely collaborate with internal teams such as sales, risk management, and customer service to ensure seamless card program operations. Staying proactive in identifying process improvements and assisting clients with card platform training are also common parts of the job. This variety ensures you gain valuable experience in client management, financial analysis, and team collaboration.

More about Commercial Card jobs
What cities are hiring for Commercial Card jobs? Cities with the most Commercial Card job openings:
What are the most commonly searched types of Commercial Card jobs? The most popular types of Commercial Card jobs are:
What states have the most Commercial Card jobs? States with the most job openings for Commercial Card jobs include:
What job categories do people searching Commercial Card jobs look for? The top searched job categories for Commercial Card jobs are:
Commercial Card jobs near you
Infographic showing various Commercial Card job openings in the United States as of August 2026, with employment types broken down into 93% Full Time, 5% Part Time, and 2% Contract. Highlights an 91% Physical, 3% Hybrid, and 6% Remote job distribution, with an average salary of $47,504 per year, or $22.8 per hour.

Senior Lead Architect - Commercial Card Payments Technology

JPMorgan Chase & Co.

Chicago, IL • On-site

$120 - $160/hr

Other

Re-posted 2 days ago

JPMorgan Chase & Co. rating

8.0

Company rating: 8.0 out of 10

Based on 493 frontline employees who took The Breakroom Quiz

72nd of 171 rated banks

Job description

If you are excited about shaping the future of technology and driving significant business impact in financial services, we are looking for people just like you. Join our team and help us develop game-changing, high-quality solutions.

As a Senior Lead Architect at JPMorganChase within Payments Technology – Commercial Card, you are an integral part of a team that develops high-quality architecture solutions for modern, scalable, resilient, and AI-enabled payment platforms. You partner closely with product and engineering teams to define architecture, guide technical decisions, and contribute hands‑on to the design and implementation of critical Commercial Card capabilities. Your expertise drives meaningful business outcomes and helps shape the target state architecture across cloud, data, and AI‑adjacent systems.

Job responsibilities
  • Represent Commercial Card platforms or product areas in architecture and technical governance forums
  • Provide feedback on architecture standards and propose improvements, including guardrails for AI usage and automation in regulated environments
  • Guide evaluation of existing and emerging technologies, including AI‑assisted development tools and intelligent platform capabilities
  • Provide technical guidance to engineering teams, product partners, contractors, and vendors, enabling AI‑augmented engineering workflows
  • Design, develop, review, and debug secure, high‑quality production code, including reference implementations and architectural patterns
  • Influence decisions related to product design, application behavior, and technical implementation approaches, focusing on scalability, resiliency, and intelligent automation
  • Serve as a recognized subject‑matter expert within a defined domain or capability area
  • Advocate firm‑approved frameworks, tools, AI-enabled SDLC practices, and continuous improvement within the engineering community
  • Influence peers and stakeholders to consider modern, fit‑for‑purpose technologies, patterns, and delivery models
  • Promote a culture of collaboration, inclusion, continuous learning, technical excellence, and responsible adoption of AI
Required qualifications, capabilities, and skills
  • Formal training or certification on software engineering concepts and 5+ years applied experience
  • Strong hands‑on experience delivering system design, application development, testing, and operational stability
  • Advanced proficiency in one or more programming languages, platforms, or architectural styles
  • Solid knowledge of software architecture, application design, and technical processes, with depth in one or more domains (e.g., cloud, distributed systems, data, AI/ML‑adjacent architectures)
  • Ability to independently solve complex design and functionality problems with limited oversight
  • Practical experience building and operating cloud‑native solutions
  • Ability to evaluate current and emerging technologies—including AI‑assisted development and automation tools—and recommend solutions aligned to architecture goals
  • Demonstrated commitment to teamwork, inclusion, and mentoring less‑experienced engineers
  • Comfort working in AI‑augmented development environments to accelerate design, coding, testing, and analysis
Preferred qualifications, capabilities, and skills
  • Experience designing or modernizing commercial card or payments systems, including issuing, authorization, clearing, settlement, or posting flows
  • Working knowledge of card processing ecosystems, including processors, card networks, tokenization, and integration patterns
  • Experience contributing to fraud prevention or risk solutions, including rules‑based or data‑driven approaches
  • Familiarity with ledger concepts, posting models, reconciliation, and data consistency in distributed systems
  • Exposure to platform modernization initiatives, such as legacy transformation, cloud migration, or API enablement
  • Experience with API‑led and event‑driven architectures, including microservices and asynchronous messaging
  • Understanding of resiliency and scalability patterns, including multi‑AZ or multi‑region designs
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