Cash back · Visa · $299 annual fee
Last verified 2026-09-09. Review issuer source
Truist Business Premium is a $299-a-year cash back card from Truist. It earns 2% on every purchase with no categories to track.
On our reference budget of $73,200 a year it earns $1,464, which clears the $299 fee with $1,165 to spare before any credits or perks. The welcome bonus, $1,000 after $15,000 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.
Earn $1,000 in bonus rewards after you spend $15,000 on purchases in the first 90 days after account opening.
Enjoy a 10% Loyalty Cash Bonus when rewards are redeemed into your Truist business deposit account.
$299 annual fee waived for the first year. Annual fee waived each following year if, at the time we charge the fee, the organization has spent $100,000 on eligible purchases during the preceding 12-month period.
Auto Rental Collision Damage Waiver reimburses You for damages caused by theft or collision -- up to the Actual Cash Value of rental vehicles with an original manufacturer’s suggested retail price of up to seventy-five thousand dollars ($75,000.00) when new.
Travel and Emergency Assistance Services are made available to help You in case of an emergency while You are traveling away from home.
Trip Cancellation and Interruption benefits pay up to two thousand dollars ($2,000.00) per Insured Person for the non-refundable Common Carrier ticket(s) that You paid for with Your covered Account and/or rewards programs associated with Your covered Account.
These come from Visa, not from Truist. Every card on the Visa Infinite tier carries them, so they should not decide between two cards.
Your Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.
When you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Unlock primetime reservations at some of the hottest restaurants in select cities with OpenTable and your eligible Visa card.
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.
Now you and your traveling companion(s) are protected when traveling in a Rideshare vehicle, such as Uber© or Lyft©, when you pay for your fare with your covered Visa Infinite Business card. Benefits include coverage for the cost to replace or repair personal property that is lost, damaged or destroyed while on a covered trip as well as coverage for accidental death or dismemberment up to the coverage amount on the policy.
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.
Add peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
Anticipate delays when you purchase air travel with your covered Visa card. With Trip Delay coverage, you can receive up to $500.00 when you’re stuck for more than 6 hours due to a covered hazard such as equipment failure, inclement weather, strike and hijacking/skyjacking.
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
The Visa Luxury Hotel Collection offers an unparalleled experience with an extraordinary collection of benefits like VIP status, complimentary breakfast daily, an upgrade when available and a special amenity unique to each property.
Book with your Visa Infinite card and get VIP amenities and discounts with Avis, Hertz, and National®.
Diverse events designed to appeal to your spirit of discovery and love of travel, delicious food, drink, and amazing music.
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 PremiumThis card · 2% on everything | $299 | $1,464 | +$1,165 | 20th of 752 |
| Truist Business Cash RewardsTruist's most-held other card · 3% on gas stations | None | $936 | +$936 | 178th 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.
