Bank Truist credit cards pros and cons
Pros
- Can use SunTrust and BB&T ATMs for free. Truist customers can use SunTrust and BB&T ATMs without incurring any fee.
Cons
- Not fully established. The merger between BB&T and SunTrust has not yet been finalized.
- Low customer service rating. Truist currently holds a customer service rating of 1.08 out of 5 stars on the Better Business Bureau website.
How to Choose the Right Truist Credit Card?
Sometimes, choosing the best credit card from a specific credit card company is quite hard. Considering Truist , there are three steps that can make your decision process easier.
First and foremost, you are to check your credit score. It can vary from "Poor” to “Excellent”, and the higher your credit is, the better Truist options of credit cards are available to you.
Then, you should decide on why you need a Truist credit card and determine the most crucial features your future credit card must have. If you search for a credit card to improve your credit score, then look for those with extended grace period and no annual fee. If you want to save money on interest, Truist credit cards with the smallest interest and introductory rates are your best choice. If you are looking for a credit card with cashback, check the rewards program the Truist offers.
As a third step, try tocompare the Truist credit cards you think are the best for you, but taking into consideration all the features. In general, the perfect credit card fits the following characteristics: near-zero annual percentage rate (APR), low fees, extended credit limit, the finance charge calculations include one billing cycle only, and big rewards and sign-up bonuses. You can easily compare Truist credit cards in the table below.
Side-by-Side Comparison of Truist Credit Cards
| Card Name
| APR
| Annual fee
| Rewards
| Intro offer
|
|---|
| Cash Rewards Visa®
| 18.49% - 27.49% Variable
| $0
| 3% Cash Back on gas.2% Cash Back on groceries and utilities (up to the combined $1,000 monthly spend cap).1% Cash Back on all other eligible purchases. | No current offer. |
| Future
| 16.49% - 25.49% Variable
| $0
| This card doesn't offer cash back, miles or points. | No current offer. |
| Enjoy Travel
| 18.49% - 27.49% Variable
| $0
| 2x Miles on airfare, hotels, and car rentals.1x Mile on all other purchases. | 20,000x Bonus miles after you spend $1,500 within 90 days of account opening. |
| Enjoy Beyond
| 18.49% - 27.49% Variable
| $195
| 3x Points per $1 spent on airfare, hotels, and car rentals.2x Points per $1 spent on dining.1x Points per $1 spent on all other eligible purchases. | 30,000x Bonus points after you spend $1,500 within 90 days of account opening. |
| Business
| 15.49% - 24.49% Variable
| $0
| This card doesn't offer cash back, miles or points. | No current offer. |
| Business Travel Rewards
| 17.49% - 26.49% Variable
| $49
| 2x Miles for each $1.00 in eligible purchases on airline tickets, car rentals or hotel lodging.1x Mile for each $1.00 in eligible purchases. | 20,000x Bonus miles when you spend $2,000 within 90 days of account opening. |
| Enjoy Cash Secured
| 24.49% Variable
| $19
| 3% Cash Back on gas.2% Cash Back on utilities and groceries (with a combined $1,000 monthly cap).1% Cash Back on all other eligible purchases. | No current offer. |
| Business Cash Rewards
| 17.49% - 26.49% Variable
| $0
| 3% Cash Back on gas.2% Cash Back at restaurants and office supply stores, up to $2,000 in combined spend in 2% and 3% categories per month.1% Cash Back on all other eligible purchases. | No current offer. |
| Enjoy Cash
| 18.49% - 27.49% Variable
| $0
| 3% Cash Back on gas (with a combined $1,000 monthly spend cap).2% Cash Back on utilities and groceries (with a combined $1,000 monthly spend cap).1.5% Cash Back on all other purchases. | No current offer. |
Conclusion
Truist provides a range of credit cards with various options, yet it’s better to find the best one for you.
