Truist Business Cash Rewards
Truist and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Truist. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Truist Business Cash Rewards from Truist earns up to 3% effective value on gas in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn $300 in bonus rewards after you spend $3,000 in the first 90 days after account opening..
- Top category
- Gas
- Effective value
- 3%
- Annual fee
- $0
Worth a look for gas spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in gas and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
What does the Truist Business Cash Rewards earn in each category?
Gas is the strongest category at 3% effective value (3% back). That gas rate ranks higher than about 82% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Truist Business Cash Rewards compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight gas at 3x among the top.
Gas is the strongest category at 3% effective value (3% back). That gas rate ranks higher than about 82% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Truist Business Cash Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 3% back | 3% Top category |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Truist Business Cash Rewards reward caps and conditions?
The Truist Business Cash Rewards has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2% at restaurants and office supply stores, up to $2,000 in combined spend in 2% and 3% categories per month Capped at $2000 per month.
- 3% cash back on gas, up to $2,000 in combined spend in 2% and 3% categories per month Capped at $2000 per month.
Who should get the Truist Business Cash Rewards?
The Truist Business Cash Rewards fits spenders who put meaningful volume in gas and can earn 3% back. Best for spenders who put meaningful volume in gas and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
Truist Business Cash Rewards fits spenders who put meaningful volume in gas and can earn 3% back. Madeen ranks its gas effective rate higher than about 82% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Worth a look for gas spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is gas at about 3% effective (3% back).
- That gas rate ranks higher than about 82% of cards we track in the category.
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
What is the Truist Business Cash Rewards welcome bonus?
In Madeen's catalog snapshot, the Truist Business Cash Rewards welcome offer is Earn $300 in bonus rewards after you spend $3,000 in the first 90 days after account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $300
- Terms (catalog snapshot)
- Earn $300 in bonus rewards after you spend $3,000 in the first 90 days after account opening.
- Minimum spend
- $3,000
- Window
- 90Days
Does the Truist Business Cash Rewards have an annual fee?
The Truist Business Cash Rewards has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Truist Business Cash Rewards?
The Truist Business Cash Rewards includes Auto Rental Collision Damage Waiver, Auto Rental Collision Damage Waiver, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Purchase Security and Extended Protection
$10,000/yrPurchase 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.
Lost Luggage Reimbursement
$3,000/yrwill 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.
Travel Accident Insurance
$3,000/yrprovides 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.
Roadside Dispatch®
$1,000/yrThis 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.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Auto Rental Collision Damage Waiver
$10/yrreimburses 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.
Travel and Emergency Assistance Services
$10/yrare made available to help You in case of an emergency while You are traveling away from home.
Auto Rental Collision Damage Waiver
$10/yr(ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
Golf Benefits from Troon Rewards®
$10/yrEnjoy 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.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Related encyclopedia topics
Common questions about the Truist Business Cash Rewards
Where do cardholders spend most with the Truist Business Cash Rewards?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gas (3x), coffee (2x), fast food (2x) for the Truist Business Cash Rewards. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Truist Business Cash Rewards have an annual fee?
The Truist Business Cash Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Truist Business Cash Rewards?
Gas is the strongest Madeen category for the Truist Business Cash Rewards at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Truist Business Cash Rewards charge foreign transaction fees?
The Truist Business Cash Rewards charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the Truist Business Cash Rewards welcome bonus?
The Truist Business Cash Rewards welcome offer in our snapshot: Earn $300 in bonus rewards after you spend $3,000 in the first 90 days after account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Truist Business Cash Rewards?
Madeen's catalog lists a typical credit range of Good to Excellent for the Truist Business Cash Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Truist Business Cash Rewards compare to similar cards?
Compare the Truist Business Cash Rewards against Truist Enjoy Cash (3-2-1%) (3% on Gas, $0 fee); Truist Business Premium (2% on Dining, $299 fee); Truist Business Travel Rewards (2% on Travel, $49 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Truist Business Cash Rewards This card | Gas | 3% | $0 |
| Gas | 3% | $0 | |
Truist | Dining | 2% | $299 |
| Travel | 2% | $49 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for gas spend to see which cards win at checkout.
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Truist and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Truist. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure