Truist Business

This is a financing card rather than a rewards card: 12 months of 0% intro APR on purchases, no annual fee, and a regular rate that starts at 13.74%, which is low for a business card. That combination fits a business funding startup costs, equipment, or inventory that wants a year to pay it down without interest, and the low ongoing floor keeps it usable if the payoff runs long. Be clear about the tradeoff, though: the card earns nothing at all, no cash back and no points, so every dollar you put on it is a dollar that would have earned something elsewhere. Free employee cards keep it workable for a small team, and the regular rate tops out at 22.74% depending on your credit. Open it for the 0% window and the low ongoing rate, then move routine spending to a card that pays you back.