Cash back · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
Truist Business Cash Rewards is a no-annual-fee cash back card from Truist. Its best everyday rates are 3% on gas stations, 2% on dining, and 2% on office supplies; everything else earns 1%. Gas stations is capped at $2,000 a month, then drops to the base rate.
On our reference budget of $73,200 a year it returns about $936, an effective 1.3% back. The welcome bonus, $300 after $3,000 in 90 days, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do. It charges 3% on foreign purchases, so leave it home when you travel abroad.
Cap: $2,000 per monthly
2% at restaurants and office supply stores, up to $2,000 in combined spend in 2% and 3% categories per month
Cap: $2,000 per monthly
3% cash back on gas, up to $2,000 in combined spend in 2% and 3% categories per month
Cap: $2,000 per monthly
2% at restaurants and office supply stores, up to $2,000 in combined spend in 2% and 3% categories per month
Earn $300 in bonus rewards after you spend $3,000 in the first 90 days after account opening.
Auto Rental Collision Damage Waiver reimburses You for damages caused by theft or collision—up to the Actual Cash Value of most rented cars. Auto Rental Collision Damage Waiver covers no other type of loss.
10%, 25%, or 50% Loyalty Cash Bonus based on your Truist business deposit relationship when cash rewards are redeemed into a Truist business deposit account.
Travel and Emergency Assistance Services are made available to help You in case of an emergency while You are traveling away from home.
These come from Visa, not from Truist. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Lost Luggage Reimbursement will reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Travel Accident Insurance provides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.
Get assistance with travel planning, entertainment tickets and more.
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Truist Business Cash RewardsThis card · 3% on gas stations | None | $936 | +$936 | 178th of 752 |
| Truist Business PremiumTruist's most-held other card · 2% on everything | $299 | $1,464 | +$1,165 | 20th of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
