Truist Business Travel Rewards

A $49 annual fee, waived for the first 12 months, buys a straightforward travel earner: 2x miles on airlines, hotels, and car rentals, 1x on everything else, and no foreign transaction fees. The $120 Global Entry or TSA PreCheck credit every four years covers more than two years of the fee by itself, and the 20,000 mile bonus after $2,000 in three months is an easy target for most businesses. The loyalty bonus of 10%, 25%, or 50% when miles are redeemed for travel is where the real upside sits, but the tier is set by your Truist deposit relationship, so plan on the 10% unless you bank there heavily. Outside the three travel categories the card earns 1x, which is below what a flat-rate card returns, so treat this as a companion for travel spend rather than an everything card. Employee cards are free and the regular APR runs 15.74% to 24.74%.