USES

Business from Truist Bank Review

Business from Truist Bank ā€” all information about the credit card.

Updated December 04, 2023
Advertiser Disclosure Our Methodology
Truist Bank Business
Apply now
Our Rating:
3.35 out of 5
scorer
Recommended credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles
  • Regular APR:
    15.49% - 24.49% Variable
  • Balance Transfer APR:
    15.49% - 24.49% Variable
Show more

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All benefits

  • Travel
    • Travel and Emergency Assistance Services:
    • Travel and Emergency Assistance Services are made available to help You in case of an emergency while You are traveling away from home. The Benefit Administrator can connect You with the appropriate local emergency and assistance resources and is available 24 hours a day, 365 days a year.
    • Auto Rental Collision Damage Waiver:
    • Auto Rental Collision Damage Waiver reimburses You for damages caused by theft or collision ā€” up to the Actual Cash Value of most rented cars. Auto Rental Collision Damage Waiver covers no other type of loss. For example, in the event of a collision involving Your rented vehicle, damage to any other driverā€™s car or the injury of anyone or anything is not covered. Rental periods of thirty-one (31) consecutive days are covered. Longer rental periods are not covered.
    • Travel Accident Insurance:
    • Travel accident insurance protects you abroad from the financial consequences that can arise from accidents.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for the first 12 billing cycles
  • Purchase APR
    • 15.49% - 24.49% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 15.49% - 24.49% Variable
  • APR for Cash Advances
    • 29.49% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on new purchases if you pay your entire balance in full by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 4% of each advance ($10.00 minimum)
  • Fees for Cash Advances
    • 4% of each advance ($10.00 minimum)
  • Penalty Fees
    • 27.40%
  • Return Payment
    • Up to $39
  • Late Payment
    • Up to $39
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period on purchases
Cons:
  • No Intro APR period on balance transfers
  • Penalty APR
  • Foreign Transaction Fee

Features

Classic
Visa
Contactless
  • 0% Intro APR
  • No Annual Fee
  • Payment Flexibility
  • Fraud Protection
  • Purchase Protection
  • Extended Warranty Protection
  • Auto Rental Insurance
  • 24/7 Travel Assistant
  • Fair Credit
  • Good Credit
  • Excellent Credit

About the issuer

Truist Bank
Truist Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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    Purchase Intro APR
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    Annual Fee
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    Regular APR
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    Youā€™ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
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    Purchase Intro APR
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    Annual Fee
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    Regular APR
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    Earn 1% cash back rewards on payments made to your First Access Credit Card.
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See Another Credit Cards in the Bank

Truist Bank Business is an option for those, who need Classic features. With an APR of 15.49% - 24.49% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Excellent (580-799) credit score. With Truist Bank Business you will get such features as 0% Intro APR, No Annual Fee, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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