Truist Business Cash Rewards Credit Card Review (2026): Good Categories, a Hard Monthly Ceiling

| Category | Rate | Cap | |---|---|---| | Gas at service stations and automated fuel dispensers | 3% | $2,000 per month, combined with the 2% categories | | Restaurants | 2% | Same combined monthly cap | | Office supply stores | 2% | Same combined monthly cap | | All other eligible purchases | 1% | None |

The category definitions are narrower than the labels suggest. Fuel bought at a merchant whose primary business is not automotive fuel earns 1%. Bakeries, convenience stores, specialty markets and merchants selling mainly alcohol earn 1% rather than the restaurant rate. Office supplies bought at warehouse clubs, discount stores, department stores and variety stores earn 1%. Truist sorts purchases by merchant category code, which a third party assigns, and its own example is a restaurant inside a large retail outlet that carries a retail MCC and therefore does not earn 2%. The Truist Rewards Center takes MCC questions at 800-255-7125.

New accounts earn $300 in bonus cash rewards after $3,000 or more in net eligible purchases within 90 days of account opening, and spend on employee cards counts toward the total. Truist adds the bonus to the rewards balance within two to three billing cycles after the promotion ends. The limit is one $300 bonus per organization, and the account must remain open and in good standing to receive it. At $1,000 a month for three months, the spend requirement is reachable for most businesses that would consider a card in this class.

Rewards start at a $25 minimum redemption and can be taken as a statement credit, a check made out to the organization and mailed to the address on file, an electronic deposit into an eligible Truist business checking, savings or money market account, or merchandise and gift cards. Only the electronic deposit route earns the Loyalty Cash Bonus, which pays 50% on combined average relationship ledger balances of $50,000 or more, 25% from $25,000 to $49,999.99, and 10% below $25,000. At the top tier, 3% gas becomes an effective 4.5% and the 1% base becomes 1.5%. Truist updates your percentage by the fifth business day of each month and applies whatever is in effect when the redemption completes, with no retroactive adjustment. New deposit accounts are not eligible until the first month after opening. Rewards cannot be deposited electronically into a non-Truist account, and they expire at the end of the month five years from the date of issuance, redeemed on a first-to-expire basis.

The card itself is free, and so are employee cards. Purchases carry 0% for the first 9 billing cycles, then 15.74%–24.74% variable as of August 2026. Worth noting: the Truist disclosure carries no printed accuracy date, so confirm the rate directly before you apply. Balance transfers get no intro rate and cost 4% of each advance with a $10 minimum. Cash advances run 27.74% variable with a 4% fee, minimum $10 and maximum $75. Foreign transactions cost 3%. The late payment fee is the minimum payment due or $39, whichever is less, and returned payments cost up to $39. There is no overlimit fee and no minimum interest charge. Purchases have a grace period of at least 25 days after the close of each cycle if you pay in full. Truist does not publish whether the card requires a personal guarantee, and it does not publish which credit bureaus it reports to. Neither the product page nor the disclosures page addresses either question, and no account agreement PDF is linked, so ask before you apply if those answers matter to you.

This card makes the most sense for a business that already keeps meaningful balances at Truist. A company at the 50% Loyalty Cash Bonus tier that spends the full $2,000 monthly cap in the bonus categories is earning materially more than the headline rates suggest, and there is no annual fee working against it. It also suits a business with a specific near-term purchase in mind that wants nine billing cycles of 0% on purchases and has the cash flow to clear the balance before the intro period ends.

Skip it if your fuel, dining and office supply spend regularly runs past $2,000 a month, because everything above that line drops to 1% and a flat-rate card would pay more. Skip it if you bank elsewhere and have no plan to move deposits, since the Loyalty Cash Bonus is the piece that lifts the rates above ordinary. And skip it if your payment history is uneven or your cash flow is lumpy, because one missed minimum payment costs you the intro APR and two put a 28.65% rate on the account that Truist says can stay there indefinitely.

**Do I need a Truist business checking account to open this card?**

No. A Truist business deposit account is not required to apply for or hold the card. It is required to earn any Loyalty Cash Bonus and to redeem rewards by electronic deposit, since Truist does not send electronic deposits to outside banks.

**What happens once I pass the $2,000 monthly cap?**

Additional purchases in the gas, restaurant and office supply categories earn the 1% base rate for the rest of that month. The cap resets monthly, and it is a combined ceiling across all three bonus categories rather than a separate allowance for each.

**Does the introductory APR cover balance transfers?**

No. The 0% offer applies to purchases for the first 9 billing cycles. Balance transfers carry the standard 15.74%–24.74% variable APR from the start and a 4% transfer fee with a $10 minimum.

**Do the cash rewards expire?**

Yes. Cash rewards expire at the end of the month five years from the date they were issued, and Truist redeems them on a first-to-expire basis. The minimum redemption is $25, so small balances are worth watching if you use the card lightly.

Truist built a competitive no-fee card and then put a ceiling on it. Below roughly $2,000 a month in gas, dining and office supply spend, and with a Truist deposit relationship feeding the Loyalty Cash Bonus, the effective rates are strong and the $0 annual fee means there is no threshold you have to clear to break even. Above that ceiling, or without the deposit relationship, the returns flatten toward 1% and the case thins out. Read the penalty terms carefully before you carry a balance on this one.

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