Truist Business Cash Rewards Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Intro purchase APR
- 0% for 9 months from account opening date
At a glance
The Truist Business Cash Rewards Visa Credit Card provides up to 3% cash back on select business purchases, a competitive, low APR, a 0% intro period on purchases for nine months, and business account management tools – all for no annual fee.
Our review of the Truist Business Cash Rewards Credit Card
The Truist Business Cash Rewards Credit Card is a must-have for small-to-medium-sized companies looking to boost their purchasing power and fuel business growth. With a 0% intro APR on purchases for 12 months, competitive rates thereafter, and no annual fee, this card from Truist (formerly BB&T and SunTrust) offers a winning combination.
Earn 3% Back on Eligible Purchases
Businesses can earn 3% cash back on gas station purchases, 2% cash back at restaurants and office supply stores, and 1% cash back on all other purchases with the Truist Business Cash Rewards Card. The 3% and 2% cash back categories apply to the first $2,000 in monthly spending on those categories, with a flat 1% back on all other purchases.
How to Redeem Cash Back Rewards
Redeeming cash back rewards with Truist is simple and rewarding, especially for customers who already have a banking relationship with Truist, SunTrust, or BB&T. Cash back can be deposited directly into external accounts or applied as a statement credit to a Truist account. Choosing the Truist deposit option can earn businesses a Loyalty Cash Bonus of 10%, 25%, or 50% based on their Truist banking relationship.
Introductory APR Offer
New accounts can enjoy a generous 9-month 0% introductory APR on purchases with the Business Cash Rewards Visa Card. After the introductory period, a variable APR starting as low as 12% (based on creditworthiness and the Prime Rate) applies. This rate is significantly lower than the average APR of approximately 18% for small business credit cards.
Other Card Features
In addition to the cash back rewards and introductory APR offer, the Truist Business Cash Rewards Card boasts the following features:
- No annual fee
- Free authorized cardholders
- Digital account management through Truist Online Banking and Truist eZBusiness
- Integration with Intuit® QuickBooks®
- EMV chip technology and contactless payment support
- Overdraft protection via Truist checking account linkage
- Visa® Zero Fraud Liability
Should You Consider the Truist Business Cash Rewards Visa Credit Card?
The Truist Business Cash Rewards Card blends the benefits of a business credit card with the perks of a cash back card. The 3% back on gas and 2% back on dining and office supplies are attractive features, especially when combined with the potential for a Loyalty Cash Bonus when redeeming rewards into a Truist deposit account. While the $2,000 monthly cap on bonus categories may be limiting for larger businesses, it offers significant value for smaller companies. Overall, the Truist Business Cash Rewards Card is a top contender for businesses seeking a rewarding credit card option.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Enjoy 0% intro APR for 9 months on purchases
- Earn 3% cash back on gas purchases, 2% at restaurants and supply stores (up to $2,000 in combined spend in 2% and 3% categories each month), and 1% back on all other eligible purchases
- Get up to 50% Loyalty Cash Bonus based on your Truist business deposit relationship when cash rewards are redeemed into a Truist business deposit account
- No annual fee
- Add authorized cardholders at no additional charge
Who this card may suit
- You own a small or medium-sized business
- You want a business card that earns triple the cash back on gas
- You plan to issue multiple employee cards
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 9 months from account opening date |
| Regular Purchase APR | 17.49% to 26.49% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 17.49% to 26.49% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 4% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.49% variable based on the Prime Rate |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Penalty APR | 29.49% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $39 |
| Return Payment Penalty Fee | Up to $39 |
| Over Limit Penalty Fee | Up to $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Truist Business Cash Rewards Credit Card
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