Truist · Business

Truist Business Premium

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.

Truist Business Premium2%
Dining at 2%$299 annual feeWelcome bonus
Top 59% for Dining
Highest earn rate in Dining at 2% effective value

The Truist Business Premium from Truist earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $299. New applicants may see: Earn $1,000 in bonus rewards after you spend $15,000 on purchases in the first 90 days after account opening..

Top category
Dining
Effective value
2%
Annual fee
$299
Truist Business Premium card art

Worth a look for dining 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 dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.

Madeen analysis

What does the Truist Business Premium earn in each category?

Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Truist Business Premium compares across dining, grocery, gas, travel, and other spend.

Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Truist Business Premium compares across dining, grocery, gas, travel, and other spend.

Category Earn rate Effective value
Dining
Restaurants, cafes, takeout
2% back 2% Top category
Grocery
Supermarkets and grocery stores
2% back 2%
Gas
Gas stations and fuel
2% back 2%
Travel
Flights, hotels, transit
2% back 2%
Other
General everyday spend
2% back 2%

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.

Madeen take

Who should get the Truist Business Premium?

The Truist Business Premium fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.

Truist Business Premium fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% 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 dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.

Mostly a flat base earn card without strong category bonuses.

Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.

Pros

  • Strongest Madeen category is dining at about 2% effective (2% back).
  • No foreign transaction fee listed.
  • Welcome bonus may add value if you can meet spend requirements.

Cons

  • $299 annual fee requires enough spend in bonus categories to offset.
  • Business card — rewards and liability rules differ from consumer cards.
Welcome bonus

What is the Truist Business Premium welcome bonus?

In Madeen's catalog snapshot, the Truist Business Premium welcome offer is Earn $1,000 in bonus rewards after you spend $15,000 on purchases 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
$1,000
Terms (catalog snapshot)
Earn $1,000 in bonus rewards after you spend $15,000 on purchases in the first 90 days after account opening.
Minimum spend
$15,000
Window
90Days
Fees

Does the Truist Business Premium have an annual fee?

The Truist Business Premium has an annual fee of $299 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.

Annual fee
$299
Foreign transaction fee
None
Benefits

What benefits come with the Truist Business Premium?

The Truist Business Premium includes 10% Loyalty Cash Bonus, Annual Fee Waived, Auto Rental Collision Damage Waiver in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.

Madeen estimated annual value~$28,140
18 of 22 benefits valued
  • Trip Cancellation and Interruption

    $10,000/yr

    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.

    How we value this

    Statement credit face value from issuer terms — $10000 face value (annualized from issuer terms). Card-specific overrides recommended where amounts differ.

  • Purchase Security and Extended Protection

    $10,000/yr

    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.

    Visa Infinite®
    How we value this

    Statement credit face value from issuer terms — $10000.00 face value (annualized from issuer terms). Card-specific overrides recommended where amounts differ.

  • Lost Luggage Reimbursement

    $3,000/yr

    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.

    Visa Infinite®
    How we value this

    Statement credit face value from issuer terms — $3000 face value (annualized from issuer terms).

  • Travel Accident Insurance

    $3,000/yr

    Add peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.

    Visa Infinite®
    How we value this

    Statement credit face value from issuer terms — $3000 face value (annualized from issuer terms).

  • Roadside Dispatch®

    $1,000/yr

    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.

    Visa Infinite®
    How we value this

    Statement credit face value from issuer terms — $1000 face value (annualized from issuer terms).

  • Trip Delay Reimbursement

    $500/yr

    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.

    Visa Infinite®
    How we value this

    Statement credit face value from issuer terms — $500.00 face value (annualized from issuer terms).

  • Sofar Sounds

    $240/yr

    Enjoy a free ticket per show with the purchase of one or more tickets plus you can access 7-day Visa Exclusive Presale opportunities.

    Visa Infinite®
    How we value this

    Editorial review of "Sofar Sounds" — annual value verified from issuer terms (legacy auto-derived basis replaced during full catalog audit).

  • Visa Infinite Concierge Services

    $150/yr

    Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.

    Visa Infinite®
    How we value this

    Premium concierge service — editorial expected value $150/yr (not lounge-access proxy).

  • OpenTable

    $120/yr

    Unlock primetime reservations at some of the hottest restaurants in select cities with OpenTable and your eligible Visa card.

    Visa Infinite®
    How we value this

    Editorial review of "OpenTable" — annual value verified from issuer terms (legacy auto-derived basis replaced during full catalog audit).

  • Trip Cancellation / Interruption

    $35/yr

    When you purchase your travel ticket with a covered Visa card and you must cancel or interrupt your trip, this benefit can help reimburse for the non-refundable cost of your passenger fare. This coverage applies to more than air travel. It also can be in place when a covered Visa card is used to purchase a ticket for travel via other forms of eligible transportation, such as a ferry, rail, bus or cruise ship.

    Visa Infinite®
    How we value this

    Conservative expected value for travel perks and fee credits.

  • Ride Share Protection

    $25/yr

    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.

    Visa Infinite®
    How we value this

    Insurance/protection — conservative $25/yr expected value, not coverage maximums.

  • Auto Rental Collision Damage Waiver

    $10/yr

    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.

    How we value this

    Minimal expected value for standard network-tier boilerplate; excluded from card totals when flagged as network benefit.

Common questions about the Truist Business Premium

Does the Truist Business Premium have an annual fee?

The Truist Business Premium carries an annual fee of $299 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 Premium?

Dining is the strongest Madeen category for the Truist Business Premium at about 2% 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 Premium charge foreign transaction fees?

The Truist Business Premium does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.

What is the Truist Business Premium welcome bonus?

The Truist Business Premium welcome offer in our snapshot: Earn $1,000 in bonus rewards after you spend $15,000 on purchases in the first 90 days after account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.

Is the Truist Business Premium annual fee worth it?

Whether the $299 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.

What credit score do you need for the Truist Business Premium?

Madeen's catalog lists a typical credit range of Good to Excellent for the Truist Business Premium. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.

Compare

How does the Truist Business Premium compare to similar cards?

Compare the Truist Business Premium against Truist Enjoy Beyond (2% on Dining, $195 fee); Truist Enjoy Cash (1.5%) (1.5% on Dining, $0 fee); Truist Business (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

CardTop categoryEffective valueAnnual fee
Truist Business Premium
This card
Dining2%$299
Dining2%$195
Dining1.5%$0
Dining0%$0
Dining0%$0
Compare
Merchants

Store-specific guides

Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.

Guides
Compare
Madeen app

See how this card ranks in your wallet

Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.

iOS App
Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-25
Data source Madeen catalog analysis

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

iOS App