The Truist is a business credit card from Truist. Application typically pulls a credit report from Equifax. The annual fee is $0. The ongoing APR is 17.74% to 26.74% variable, based on creditworthiness (Prime Rate + 10.99% to 19.99%, maximum 29.99%; Prime 6.75% as of 07/01/2026; disclosure form 2413 MV (2609)) after a 0% intro APR on purchases for 9 months after account opening introductory rate for 9 months. Signup bonus: $300 in bonus rewards after you spend $3,000 in the first 90 days after account opening. Rewards: 3% cash back on gas; 2% at restaurants and office supply stores, up to $2,000 in combined spend in 2% and 3% categories per month; 1% cash back on all other eligible purchases. Cash back: 3% gas; 2% restaurants and office supply stores up to $2,000 combined monthly category spend; 1% all other eligible purchases. Loan terms: Revolving business credit card; payment due at least 25 days after the close of each billing cycle. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).