Business Cash Rewards Credit Card: Earn Cash Back
$300 cash rewards after you spend $3,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagetruist.com
“Earn $300 in bonus rewards after you spend $3,000 in the first 90 days after account opening.”
- Annual fee
- Issuer's pagetruist.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagetruist.com
“17.74% - 26.74%”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $160 | $155 |
| Typical spender | $385 | $385 |
| Heavy spender | $805 | $805 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 2x office supply stores.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 85% of the 650 cards we track.
- Lower top APR than about 70% of the 128 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
Welcome offer
$300 cash
After you spend $3,000 on purchases in your first 3 months.
Within the first 90 days after account opening.
How you earn · Truist Business Cash Rewards Program
- 3%gas
- 2%restaurants
- 2%office supply stores
- 1%Everything else
Rates and fees
| Annual fee | Issuer's pagetruist.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagetruist.com “17.74% - 26.74%” |
| Intro APR | Issuer's pagetruist.com “0% intro APR” |
| Balance transfer APR | Issuer's pagetruist.com “17.74% - 26.74%” |
| Balance transfer fee | Issuer's pagetruist.com “4% of each advance ( $10.00 minimum)” |
| Cash advance APR | Issuer's pagetruist.com “27.74%” |
| Cash advance fee | Issuer's pagetruist.com “4% of each advance ( $10.00 minimum)” |
| Penalty APR | Issuer's pagetruist.com “29.99%” |
| Grace period | Issuer's pagetruist.com “10, 25, or 50%” |
| Minimum interest charge | Issuer's pagetruist.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
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.
- Checking and credit accounts may be linked to add overdraft protection.
- Visa Zero Liability protection against unauthorized card use.
- Additional Visa benefits.
- Other
Questions
- What is the annual fee?
- $0 truist.com, since Sep 29, 2026
- What is the purchase APR?
- 17.74–26.74% APR truist.com, since Sep 29, 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
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$325 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$265 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$240 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).