The Truity Credit Union is a business credit card from Truity Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 14.24% - 18.00% variable (Prime Rate + margin by credit tier, never above 18.00%; disclosure dated 2/1/2026) after a 0% introductory rate for 12 months. Signup bonus: Earn 25,000 bonus points after $6,000 in purchases in the first three months of account opening. Earn another 25,000 bonus points after $50,000 in purchases in the first year.. Rewards: Earn 2 points per dollar on purchases (CURewards points redeemable for electronics, jewelry, travel, cash and more). Cash back: 3X Rewards. Typical credit limit: $5,000 or more. Loan terms: Revolving business credit card; due date 25 days after the close of each billing cycle (4th of the month); no interest on purchases if the entire balance is paid by the due date; interest on cash advances and balance transfers from the transaction date; minimum monthly payment the greater of $15.00 or 2% of the new balance plus any past-due amount (new balance if under $15). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).