RateHerald

Our illustration, not the card’s design

Truist credit card

Truist Business Cash Rewards Credit Card

No annual fee. $300 cash rewards after you spend $3,000 in 3 months. Purchase APR 17.99–26.99%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable

Select an underlined figure to see where it comes from.

Truist’s terms

Welcome offer

$300 cash

After you spend $3,000 on purchases in your first 3 months.

Spending it takes
$1,000 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

Within the first 90 days after account opening.

  • Larger than about 75% of the 48 other cash bonuses we track.

In dollars

What it’s worth

This card’s rewards are on the issuer’s page; we haven’t confirmed them for this page yet, so we can’t put a dollar value on it. Its fees and rates are below.

Against the market

How it compares

  • No annual fee, like about 85% of the 711 cards we track.
  • Lower top APR than about 70% of the 163 cards on our Sign-up bonuses list (see the list).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Benefits

  • 10%, 25%, or 50% Loyalty Cash Bonus based on the Truist business deposit relationship when cash rewards are redeemed into a Truist business deposit account.
  • Add authorized cardholders at no additional charge.
  • Digital account management through Truist Online Banking.
  • Accounting software integration.
  • Contactless payments.
All 9 benefits
  • Checking and credit accounts may be linked to add overdraft protection.
  • Visa Zero Liability protection against unauthorized card use.
  • Additional Visa benefits.
  • Other

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APRfirst 9 billing cycles
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · truist.com, since Oct 11, 2026
What is the purchase APR?
17.99–26.99% APR · truist.com, since Nov 1, 2026
Is there an intro APR?
0% for first 9 billing cycles. · truist.com, since Sep 29, 2026
Is there a welcome bonus?
$300 cash back after $3,000 in purchases in 3 months. · truist.com, since Sep 29, 2026
See it on truist.com

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