Truist Business Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good / Fair
- Card network
- Visa
- Intro purchase APR
- 0% for 12 months from account opening date
At a glance
The Truist Business Visa Credit Card provides an exceptionally low APR, a lengthy 0% intro period on purchases for 12 months, and business account management tools – all for no annual fee.
Our review of the Truist Business Credit Card
If you’re a small-to-medium-sized company looking for purchasing power to help your business grow, the Truist Business Credit Card is worth considering. This card, from Truist (a merger of BB&T and SunTrust), offers 12 months of 0% intro APR on purchases, a competitive rate after that, and more – all with no annual fee.
Pay No Interest for 12 Months (and a Competitive APR After That)
The Truist Business Credit Card stands out with its lengthy 0% intro APR period on purchases. New business accounts can enjoy a full year of no interest on purchases, followed by a highly competitive rate.
Compared to other small business credit cards like the Ink Business cards from Chase or the Capital One Spark cards, the Truist Business card offers a lower APR after the introductory period ends. Starting as low as 10%, this rate is based on creditworthiness and the Prime Rate, making it some eight-percentage-points lower than the average APR for a small business credit card.
Business-Centric Features
In addition to the attractive APR rates, the Truist Business Credit Card offers a range of business-centric perks. These include complimentary employee cards, tools for streamlined account management such as Truist Online Banking management and Intuit QuickBooks® integration, and the ability to link existing Truist checking and credit accounts for overdraft protection.
Other Card Features
Some additional features of the Truist Business Credit Card include:
- No annual fee
- 3% foreign transaction fee
- Visa Zero Fraud Liability
- EMV chip and contactless payment technology
- Visa Business protections
- Mobile wallet compatibility with Google Pay and Apple Pay
Should You Apply for the Truist Business Visa Credit Card?
The Truist Business Credit Card may not offer cash back or travel rewards, but it does provide a solid foundation for smaller companies to manage their finances effectively. With its exceptionally low interest rate and generous 0% APR period, this card is a good fit for businesses that already bank with BB&T, SunTrust, or Truist and are looking to save money on everyday expenses.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Enjoy 0% intro APR for 12 months on purchases
- No annual fee
- Add authorized cardholders at no additional charge
- Digital account management with Truist Online Banking and Truist eZBusiness
- Intuit Quickbooks® integratioIntuit Quickbooks® integratio
Who this card may suit
- You own a small or medium-sized business
- You want a business card with a low APR everyday
- 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 12 months from account opening date |
| Regular Purchase APR | 15.49% to 24.49% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 15.49% to 24.49% 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 |
| Cash Advance Transaction Fee | Either $10 or 4% of the amount of each cash advance, whichever is greater |
| 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 Fair Credit.
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Truist Business Credit Card
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