01 · overview
Annual fee
$0
No fee
Sign up bonus
$300
After $3,000 in 3 mo
Credits
—
1 credit · 1 perk
Median FICO
—
Approved
Median income
—
Approved
Our take
The Truist Business Cash Rewards is a no-annual-fee card for small businesses that spend on gas, with 3% back there and 2% on dining and office supplies. The $300 bonus after $3,000 in spend within three months is generous for a no-fee business card, and a 9-month 0% intro APR on purchases helps with startup costs. The catch is the cap: the 3% and 2% rates share a $2,000 monthly limit, after which you earn 1%, which is also the rate on everything else. Businesses that bank with Truist get the most out of it, since redeeming into an eligible Truist business deposit account adds a 10%, 25%, or 50% bonus depending on your relationship. Free employee cards round it out, but heavier spenders will outgrow the cap quickly.
02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Gas $2,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $2,000/mo, then 1% | 3% |
Dining $2,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $2,000/mo, then 1% | 2% |
Office Supply Stores $2,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $2,000/mo, then 1% | 2% |
Everything Else | 1% |
Credits & rebates
| Benefit | Value |
|---|---|
Loyalty Cash Bonus 10%, 25%, or 50% bonus on rewards redeemed into an eligible Truist business deposit account, with the tier set by your Truist relationship | 10% |
Perks & protections
Free Employee Cards
Add authorized cardholders at no additional charge
03 · card details
Card details
Regular APR | 15.74%–24.74% variable |
Intro APR on purchases | 0% for 9 months |
04 · approval odds
Approval odds
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