Which of the following types of programs is NOT included in the definition of a commercial card program?

The definition of a commercial card program typically encompasses those cards that are issued for business purposes, helping organizations manage expenses and improve efficiency in their purchasing processes. This includes programs like business card programs, corporate purchasing cards, and fleet card programs, all designed to facilitate transactions that are primarily business-related.

In contrast, personal spending cards are meant for individual use and typically cater to personal expenses rather than business transactions. Since these cards are not tied to a commercial or organizational financial framework, they do not fall under the umbrella of commercial card programs. This distinction highlights the focus of commercial card programs on business-related expenditures, thereby making personal spending cards the correct answer.