The Truist Business Cash Rewards card earns 3% on gas and 2% on dining and office supplies with no annual fee, which suits a small business with steady driving and supply costs. A $300 bonus after $3,000 in spending in the first three months and 9 months of 0% intro APR on purchases add some early value. The real limit is the $2,000 combined monthly cap across the 3% and 2% categories, after which those purchases drop to 1%, the same rate everything else earns. If you bank with Truist, redeeming into an eligible Truist business deposit account adds a 10%, 25%, or 50% bonus depending on your relationship, which meaningfully lifts the effective return. It's a reasonable no-fee pick for modest category spend, especially for existing Truist customers.
Earn rates & credits
| Category | Rate |
|---|---|
Gas $2,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $2,000/mo, then 1% | 3% |
Dining $2,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $2,000/mo, then 1% | 2% |
Office Supply Stores $2,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $2,000/mo, then 1% | 2% |
Everything Else | 1% |
| Benefit | Value |
|---|---|
Loyalty Cash Bonus 10%, 25%, or 50% bonus on rewards redeemed into an eligible Truist business deposit account, with the tier set by your Truist relationship | 10% |
Card details
Regular APR | 15.74%–24.74% variable |
Intro APR on purchases | 0% for 9 months |