For a no annual fee business card, the earn structure here is reasonable: 3% back on gas and 2% on dining and office supplies, plus a $300 bonus after $3,000 in spend within three months and 0% intro APR on purchases for the first nine months. Truist customers get an extra angle through the Loyalty Cash Bonus, which adds 10%, 25%, or 50% on top of rewards redeemed into an eligible Truist business deposit account depending on your relationship tier. The catch is the cap: the 3% and 2% categories share a combined $2,000 monthly limit, and everything past that drops to 1%, so the bonus rates are worth at most a few hundred dollars a year for most businesses. Everything outside those categories earns a flat 1%, which is below what a plain 2% business card would pay. Employee cards are free, and the go-to APR of 15.74% to 24.74% is on the lower end, but this card really only makes sense if you bank with Truist and your gas, dining, and office supply spend fits inside the cap.
Earn rates & credits
| 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% |
| 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% |
Card details
Regular APR | 15.74%–24.74% variable |
Intro APR on purchases | 0% for 9 months |