The Truist Business Cash Rewards is a no-annual-fee business card that earns 3% on gas and 2% on dining and office supplies, which suits small businesses with steady vehicle and office costs. It also offers a $300 bonus after $3,000 in spend within three months and 0% intro APR on purchases for nine months. The catch is the cap: the 3% and 2% categories share a $2,000 combined monthly limit, after which they drop to 1%, the same rate as everything else. Businesses that bank with Truist can squeeze out more value through the Loyalty Cash Bonus, which adds 10%, 25%, or 50% to rewards redeemed into an eligible Truist business deposit account depending on the relationship. Free employee cards round it out, but heavy spenders will hit the cap quickly.
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 |