Truist Business Travel Rewards
The Truist Business Travel Rewards from Truist earns up to 2% effective value on travel in Madeen's catalog snapshot. Its annual fee is $49. New applicants may see: 20,000 bonus miles when you spend $2,000 within 90 days of account opening. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Travel
- Effective value
- 2%
- Annual fee
- $49
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Truist Business Travel Rewards earn in each category?
Travel is the strongest category at 2% effective value (2x miles at about 1 cents each). That travel rate ranks higher than about 66% of the 1,546 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Travel is the strongest category at 2% effective value (2x miles at about 1 cents each). That travel rate ranks higher than about 66% of the 1,546 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1% |
| Grocery Supermarkets and grocery stores | 1x miles | 1% |
| Gas Gas stations and fuel | 1x miles | 1% |
| Travel Flights, hotels, transit | 2x miles | 2% Top category |
| Other General everyday spend | 1x miles | 1% |
Madeen values Truist miles 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 Travel Rewards reward caps and conditions?
The Truist Business Travel 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 2x miles on airfare
- Earn 2x miles on hotels
Who should get the Truist Business Travel Rewards?
The Truist Business Travel Rewards fits spenders who put meaningful volume in travel and can earn 2x miles. Best for spenders who put meaningful volume in travel and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Truist Business Travel Rewards fits spenders who put meaningful volume in travel and can earn 2x miles. Madeen ranks its travel effective rate higher than about 66% 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 travel and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for travel spend if you need a business card and can use Truist miles the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is travel at about 2% effective (2x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $49 annual fee requires enough spend in bonus categories to offset.
- Truist miles value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
Does the Truist Business Travel Rewards have an annual fee, and what's the welcome bonus?
The Truist Business Travel Rewards has an annual fee of $49 and a foreign transaction fee of None. New applicants may see: 20,000 bonus miles when you spend $2,000 within 90 days of account opening. Confirm current issuer terms before applying.
- Annual fee
- $49
- Foreign transaction fee
- None
- Signup bonus
- 20,000 bonus miles when you spend $2,000 within 90 days of account opening First-year annual fee waived.
What travel perks does the Truist Business Travel Rewards include?
The Truist Business Travel Rewards includes Trusted traveler credit, 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Trusted traveler creditReceive up to $85 statement credit per organization every 4 years towards TSA PreCheck® or Global Entry® application fee reimbursement.
What benefits come with the Truist Business Travel Rewards?
- Auto Rental Collision Damage WaiverIncluded with Visa Signature®
Auto Rental Collision Damage Waiver (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.
- Auto Rental Collision Damage Waiver
Auto Rental Collision Damage Waiver reimburses 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.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Extra Travel bonus
Get an extra Loyalty Travel Bonus based on your Truist business deposit relationship when you redeem miles for travel.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy 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.
- Lost Luggage ReimbursementIncluded with Visa Signature®
Lost Luggage Reimbursement will 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.
- OpenTableIncluded with Visa Signature®
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Purchase Security and Extended ProtectionIncluded with Visa Signature®
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.
Common questions about the Truist Business Travel Rewards
Does the Truist Business Travel Rewards have an annual fee?
The Truist Business Travel Rewards carries an annual fee of $49 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Truist Business Travel Rewards?
Travel is the strongest Madeen category for the Truist Business Travel Rewards 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Truist Business Travel Rewards charge foreign transaction fees?
The Truist Business Travel Rewards 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Truist Business Travel Rewards welcome bonus?
The Truist Business Travel Rewards welcome offer in our snapshot: 20,000 bonus miles when you spend $2,000 within 90 days of account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Truist Business Travel Rewards annual fee worth it?
Whether the $49 annual fee pays off depends on how much you spend in travel and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Truist Business Travel Rewards?
Madeen's catalog lists a typical credit range of Good to Excellent for the Truist Business Travel Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Truist Business Travel Rewards compare to similar cards?
Compare the Truist Business Travel Rewards against Truist Enjoy Travel (2% on Travel, $0 fee); Truist Business Cash Rewards (3% on Gas, $0 fee); Truist Enjoy Cash (3-2-1%) (3% on Gas, $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 Travel Rewards This card | Travel | 2% | $49 |
Truist | Travel | 2% | $0 |
| Gas | 3% | $0 | |
| Gas | 3% | $0 | |
Truist | Dining | 2% | $195 |
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