The business version of Truist's cash back card pays 3% on gas and 2% at restaurants and office supply stores, with those bonus rates sharing a $2,000 monthly cap before everything falls to 1%. That is $24,000 a year of bonus spending, roomier than the consumer card's cap but still modest for a business with real fuel or supply costs. A $300 bonus after $3,000 in 90 days is easy to clear, there is no annual fee, employee cards are free, and 9 months of 0% on purchases helps if you are financing startup costs. Two caveats: rewards expire five years after they are issued, which no flat rate competitor imposes, and the headline value assumes you redeem into a Truist business deposit account to collect the 10% to 50% Loyalty Cash Bonus. Businesses without a Truist relationship, or with spending outside gas and supplies, will do better on a flat 2% business card.
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 |