The Truist Bank is a business credit card from Truist Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.74% - 27.74% after a 0% intro APR introductory rate for 12 months. Signup bonus: 30,000 bonus points after you spend $1,500 on purchases in first 90 days after account opening. Rewards: 3% cash back on gas and EV charging, 2% on utilities and groceries (up to the $1,000 monthly spend cap), 1% on all other eligible purchases. Cash back: 3% cash back on gas and EV charging, 2% on utilities and groceries (up to the $1,000 monthly spend cap), 1% on all other eligible purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). EXPERT REFERENCE (Aug 2025): High approval rate | EXPERT REFERENCE (Aug 2025): Up to $25K limits | EXPERT REFERENCE (Aug 2025): Checking account required but easy to open | EXPERT REFERENCE (Feb 2026): Typical no-doc range: around $50K | EXPERT REFERENCE (Feb 2026): Pulls: Equifax