Truist Business

This is Truist's no frills business card: no annual fee, no rewards, 12 months of 0% APR on purchases, and a regular range of 13.74% to 22.74% that is the lowest in Truist's lineup by roughly two points. It exists for businesses that expect to carry a balance, where a couple of points of APR is worth more than 2% back that gets erased by interest anyway. If you pay in full every month there is no argument for it over Truist's own Business Cash Rewards, which costs the same nothing and actually earns. Employee cards are free and it plugs into Truist's online banking and accounting integrations like the rest of the lineup.