Truist Business Credit Card

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.

Truist Business Visa

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

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, PayPal
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Emergency Travel Assistance, Roadside Assistance, Travel Accident Insurance

Rewards

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% 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 APR15.49% to 24.49% (V) APR
Purchases0% 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 StatusDateCredit ScoreBureauCredit Limit
Approved04/27/2023
750
Not Provided
---
Approved07/08/2023
754
Equifax
$10,000
Approved02/12/2023
780
Experian
$10,000
Approved02/12/2023
784
Experian
$10,000
Approved02/12/2023
786
Equifax
$10,000
Approved02/12/2023
786
TransUnion
$10,000

Pros & Cons

Pros
  • No annual fee
  • 0% intro APR on Purchases
Cons
  • 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
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
The American Express Blue Business Cash™ Card

Rating

4.6

Rewards Range

1% - 2%

Annual Fee

No annual fee

Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card

Rating

4.6

Rewards Range

1.5%

Annual Fee

$0

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