The Truist is a business credit card from Truist. Application typically pulls a credit report from Equifax. The annual fee is $299 annual fee waived for the first year; waived each following year if, at the time the fee is charged, the organization has spent $100,000 on eligible purchases during the preceding 12-month period. 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: $1,000 in bonus rewards after you spend $15,000 on purchases in the first 90 days after account opening. Rewards: 2% unlimited cash back on all eligible purchases; no categories, spending rates or earning caps. 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).