Truist Business Credit Card
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The Truist Business Credit Card is a business card designed for, ideally, small business owners who already bank with Truist. There is no welcome offer and no rewards. There is a 0% introductory APR on purchases for 12 months, which is nice if you’re setting up a business or investing in one you already have. If you bank at Truist, you’ll be able to link your accounts, making bookkeeping easier, and you can use your credit card to provide overdraft protection. We dive into the details and your approval odds in this Truist Business review.
Our Rating
3.5/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
12 months
Reward Rate
No rewards
0% on Balance Transfers
None
Welcome Offer
None
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, PayPal |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Roadside Assistance, Travel Accident Insurance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of the U.S. dollar amount of each transaction made in a foreign currency and any transaction made in U.S. dollars that is processed outside of the United States. |
| Regular APR | 15.49% to 24.49% (V) APR |
| Purchases | 0% Intro APR for 12 months on purchases, then 15.49% to 24.49% (V) APR after that. |
What Credit Score Is Required to Get the Truist Business Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 750
Average Approved Credit Score: 773
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/27/2023 | Not Provided | ||
| Approved | 07/08/2023 | Equifax | ||
| Approved | 02/12/2023 | Experian | ||
| Approved | 02/12/2023 | Experian | ||
| Approved | 02/12/2023 | Equifax | ||
| Approved | 02/12/2023 | TransUnion |
Pros & Cons
- No annual fee
- 0% intro APR on Purchases
- No welcome bonus
- No rewards
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0