Truist Business Credit Card with No Annual Fee
No annual fee. Purchase APR 17.74–24.74%, variable.
- 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 | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
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
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.
- Lower top APR than about 60% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
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” |
Carrying a balance? See how long it takes to pay off
Benefits
- Add authorized cardholders at no additional charge.
- Digital account management through Truist Online Banking.
- Accounting software integration to simplify record-keeping.
- Contactless payments.
- Link checking and credit accounts to add overdraft protection.
- Visa Zero Liability protection against unauthorized card use.
- No annual fee.
- 0% introductory APR on purchases for 12 months after account opening.
Questions
- What is the annual fee?
- $0 truist.com, since Sep 29, 2026
- What is the purchase APR?
- 17.74–24.74% APR truist.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for 12 months. truist.com, since Sep 29, 2026
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).