Our illustration, not the card’s design
Truist credit card
Truist Business Premium Credit Card
1,000 rewards after you spend $15,000 in 3 months. Purchase APR 17.99–26.99%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · truist.com
“Earn $1,000 in bonus rewards after you spend $15,000 on purchases in the first 90 days after account opening.”
- Annual fee
- Introductory Annual Fee for the first year, $299 after thatReceipt · Annual feeChecked Nov 1, 2026
Issuer's page · truist.com
“$0 Introductory Annual Fee for the first year, $299 after that.”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · truist.com
“17.99% to 26.99%”
Select an underlined figure to see where it comes from.
Truist’s terms
Welcome offer
1,000 rewards
After you spend $15,000 on purchases in your first 3 months.
- Spending it takes
- $5,000 a month
- for 3 months
- Tracking since
- Nov 1, 2026
- history will chart every change
Earn after spending $15,000 on purchases in the first 90 days after account opening.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $240 | −$60 | |
| Typical spender | $600 | $300 | |
| Heavy spender | $1,330 | $1,020 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: welcome bonus needs $15,000 in 3 months.
−$60a year
$240 the first year, with the welcome bonus.
Rewards and credits$240
−$60 after the fee−$300 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: welcome bonus needs $15,000 in 3 months.
$300a year
$600 the first year, with the welcome bonus.
Rewards and credits$600
You keep $300−$300 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: welcome bonus needs $15,000 in 3 months.
$1,020a year
$1,330 the first year, with the welcome bonus.
Rewards and credits$1,320
You keep $1,020−$300 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 70% of the 732 cards we track.
- Lower top APR than about 70% of the 163 cards on our Sign-up bonuses list (see the list).
Other cash back cards
- Capital One Spark CashCapital One+$205 a year
- Costco Anywhere Visa Card by CitiCiti+$205 a year
- Alliant Visa Signature Credit Card with CashbackAlliant Credit Union+$150 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Truist Business Premium Program
How you earn
- 2%
- Everything else
Cash back, as a share of each purchase.
Benefits
- 10% Loyalty Cash Bonus when rewards are redeemed into a Truist business deposit account
- Visa Zero Liability protection against unauthorized card use
- Additional Visa benefits
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · truist.com “$0 Introductory Annual Fee for the first year, $299 after that.” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · truist.com “17.99% to 26.99%” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · truist.com “17.99% to 26.99%” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · truist.com “4% of each advance ( $10.00 minimum)” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · truist.com “27.99%” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · truist.com “4% of each advance ( $10.00 minimum)” |
| Penalty APR | Receipt · Penalty APRChecked Nov 1, 2026 Issuer's page · truist.com “29.99%” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · truist.com “Your due date is at least 25 days after the close of each billing cycle.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · truist.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- 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).
- 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?
- $0 Introductory Annual Fee for the first year, $299 after that. · truist.com, since Sep 29, 2026
- What is the purchase APR?
- 17.99–26.99% APR · truist.com, since Nov 1, 2026
- Is there a welcome bonus?
- 1,000 rewards after $15,000 in purchases in 3 months. · truist.com, since Sep 29, 2026