Business Travel Rewards Credit Card
20,000 miles after you spend $2,000 in 3 months.
- Welcome offer
- Issuer's pagetruist.com
“Earn 20,000 bonus miles after you spend $2,000 within the first 90 days of account opening”
- Annual fee
- Issuer's pagetruist.com
“$0 Introductory Annual Fee for the first year, $49 after that.”
- Purchase APR
- Issuer's pagetruist.com
“17.74% - 26.74%”
- Foreign transaction fee
- Issuer's pagetruist.com
The source states this figure; we have no exact sentence on file yet.
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 | $320 | $70 |
| Typical spender | $500 | $250 |
| Heavy spender | $930 | $685 |
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: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Lower top APR than about 70% of the 128 cards on our Sign-up bonuses list (see the list).
- Worth more to a typical spender than about 70% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
20,000 miles
After you spend $2,000 on purchases in your first 3 months.
The offer is described as applying to purchases and balance transfers.
How you earn
- 2× milesairfare
- 2× mileshotels
- 2× milescar rentals
- 1× milesEverything else
Rates and fees
| Annual fee | Issuer's pagetruist.com “$0 Introductory Annual Fee for the first year, $49 after that.” |
|---|---|
| Purchase APR | Issuer's pagetruist.com “17.74% - 26.74%” |
| 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%” |
| Foreign transactions | Issuer's pagetruist.com The source states this figure; we have no exact sentence on file yet. |
| 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
- TSA PreCheck® or Global Entry® application fee reimbursement: $120 every 4 years
- Up to $120 statement credit per organization every 4 years toward TSA PreCheck® or Global Entry® application fee reimbursement.
- Extra Loyalty Travel Bonus based on the Truist business deposit relationship when miles are redeemed for travel; the bonus percentage depends on the business deposit account type and balance.
- No foreign transaction fees.
- Add authorized cardholders at no additional charge.
- Digital account management through Truist Online Banking.
- Accounting software integration to simplify record-keeping.
- Contactless payments.
- Checking and credit accounts may be linked to add overdraft protection.
- Visa Zero Liability protection against unauthorized card use.
- Additional Visa benefits.
Questions
- What is the annual fee?
- $0 Introductory Annual Fee for the first year, $49 after that. truist.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. truist.com, since Sep 29, 2026
- What is the purchase APR?
- 17.74–26.74% APR truist.com, since Sep 29, 2026
- Is there a welcome bonus?
- 20,000 miles after $2,000 in purchases in 3 months. truist.com, since Sep 29, 2026
Other miles cards
- Capital One Venture BusinessCapital One · +$255 a year
- TD Bank First ClassTD Bank · +$70 a year
- Frontier Airlines WorldBarclays · +$25 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).