For a business card with no annual fee, the earn structure covers the categories small businesses actually use: 3% back on gas, 2% on dining and office supplies, and 1% on everything else. The catch is a tight one, since the 3% and 2% rates share a combined $2,000 monthly cap and everything past it drops to 1%, which limits how much those bonus rates can be worth over a year. A $300 bonus after $3,000 in three months and 0% intro APR for nine months on purchases make the first year reasonable, with the regular rate landing between 15.74% and 24.74%. The most interesting feature is the loyalty bonus: redeeming into an eligible Truist business deposit account adds 10%, 25%, or 50% on top, but the tier is set by your existing relationship with the bank, so most applicants should assume the 10%. If you do not already bank with Truist, an uncapped flat-rate business card will usually return more on the same spend.
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 |