I used to have USAA which did that, too, but unfortunately for a specific reason I now bank with a bank that does not do this. I do have a couple other accounts which I sometimes use to avoid fees, but it requires more work ahead of time than I usually can do. But for my laziness yours is good advice.

Did not know this. I used to work for a large company that required you keep all receipts, tape them to paper, write out certain parts of the receipt on the paper, scan the receipts and create you expense report from scratch, entering many data fields for each expense. You were responsible for the charges personally and got a reimbursement check. There was tons of checking and rechecking to make sure you didn't personally eat any expenses. I then moved to another large company (these are two of the biggest companies on the planet) where the charges went directly to the company. All you had to do was pull up the charges, check each one as yours and click submit. The only receipts required were for hotels and you did have to separate the charges within the bill so that meals could be taxed at the different rate. People at the second company would complain about how hard expense reports were, having no idea about the arts and crafts project we had at the first company.