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.
How we calculate effective rate →
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
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.
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.
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.
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
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
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.
Trip Cancellation and Interruption
$10,000/yrbenefits 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.
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/yrWhen 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.
Travel Accident Insurance
$3,000/yrAdd peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
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.
Trip Delay Reimbursement
$500/yrAnticipate 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.
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 Infinite Concierge Services
$150/yrEnjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
OpenTable
$120/yrUnlock primetime reservations at some of the hottest restaurants in select cities with OpenTable and your eligible Visa card.
Trip Cancellation / Interruption
$35/yrWhen 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.
Ride Share Protection
$25/yrNow 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.
Auto Rental Collision Damage Waiver
$10/yrreimburses 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.
Related encyclopedia topics
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.
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.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Truist Business Premium This card | Dining | 2% | $299 |
Truist | Dining | 2% | $195 |
Truist | Dining | 1.5% | $0 |
Truist | Dining | 0% | $0 |
Truist | Dining | 0% | $0 |
Side-by-side comparisons
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.
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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.
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