Truist Business

The Truist Business is a plain financing card: no annual fee, a 12-month 0% intro APR on purchases, and a regular APR starting at 13.74%, which is lower than most cards. That makes it a reasonable pick if your business needs to spread out a large purchase or wants a lower ongoing rate for carrying a balance. The tradeoff is that it earns no rewards at all, so there is no cash back or points to justify charging regular spending to it. Free employee cards are the only listed perk. Use it for the intro window or as a low-rate backstop, and keep a rewards card for everyday business spending.