The Truist is a business credit card from Truist. Application typically pulls a credit report from Equifax. The annual fee is $0 introductory annual fee for the first year, $49 after that. 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 2412 MV (2609)). Signup bonus: 20,000 bonus miles after you spend $2,000 within the first 90 days after account opening. Rewards: 2 miles per dollar on airfare, hotels and car rentals; 1 mile per dollar on 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).