Truist Bank Credit Cards

We found 9 Truist Bank credit cards. Read on to get more insights.

By Hanna Volkava
Updated March 01, 2024

Best Credit Cards in March 2024

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Truist Cash Rewards Visa®
Annual fee:
$0
Regular APR:
18.49% - 27.49% Variable
Our Rating:
5
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 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.
  • Purchase Intro APR:
    0% Introductory APR for 12 months
  • Balance Transfer APR:
    18.49% - 27.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Cash Rewards Visa® Credit Card earns 3% Cash Back on gas, 2% Cash Back on groceries and utilities (up to the combined $1,000 monthly spend cap) and 1% Cash Back on all other eligible purchases.

    The Cash Rewards Visa® doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 months on purchases. After that, the variable APR is 18.49% - 27.49%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
    • Intro APR period on purchases
  • Cons:
    • No Intro APR period on balance transfers
    • No welcome bonus
  • Benefits:
    • 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;
    • Zero Liability protection.
Card detail
Truist Bank Future
Annual fee:
$0
Regular APR:
16.49% - 25.49% Variable
Our Rating:
3.81
scorer
Credit score
Fair to Good (580-739)
  • Purchase Intro APR:
    0% Introductory APR for 15 months
  • Balance Transfer APR:
    16.49% - 25.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Bank Future Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 months on purchases. In addition, there is a 0% introductory APR period for 15 months on balance transfers made within 90 days of account opening. After that, the variable APR is 16.49% - 25.49%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
    • Intro APR period
  • Cons:
    • No rewards
  • Benefits:
    • Visa┬« Zero Liability;
    • Customizable card controls for added security;
    • Contactless payments and mobile wallets for faster checkout.
Card detail
Truist Bank Enjoy Travel
Annual fee:
$0
Regular APR:
18.49% - 27.49% Variable
Our Rating:
3.84
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Miles on airfare, hotels, and car rentals.
    • 1x Mile on all other purchases.
  • Intro Offer:
    • 20,000x Bonus miles after you spend $1,500 within 90 days of account opening.
  • Balance Transfer APR:
    18.49% - 27.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Bank Enjoy Travel Credit Card earns 20,000 bonus miles after you spend $1,500 within 90 days of account opening. You can also earn 2x miles for airfare, hotels, and car rentals.

    The Card doesn't charge an annual fee.

    The APR for purchases and balance transfers is 18.49% - 27.49% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
  • Benefits:
    • 20,000 bonus miles after you spend $1,500 within 90 days of account opening;
    • 2x miles on airfare, hotels, and car rentals;
    • Visa┬« Zero Liability;
    • Loyalty Travel Bonus.
Card detail
Truist Enjoy Beyond
Annual fee:
$195 annually
Regular APR:
18.49% - 27.49% Variable
Our Rating:
3.99
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • 30,000x Bonus points after you spend $1,500 within 90 days of account opening.
  • Balance Transfer APR:
    18.49% - 27.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Bank Enjoy Beyond Credit Card earns 30,000 bonus points after you spend $1,500 within 90 days of account opening. The Card offers 3x points per $1 spent on airfare, hotels, and car rentals, 2x points per $1 spent on dining and 1x points per $1 spent on all other eligible purchases.

    The Card's annual fee is $195. The APR for purchases and balance transfers is 18.49% - 27.49% (Variable).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
  • Benefits:
    • 30,000 bonus points (after you spend $1,500 within 90 days of account opening);
    • 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;
    • Up to $100 annual travel experience statement credit;
    • Up to $100 statement credit for TSA PreCheck┬« or Global Entry┬«;
    • Visa┬« Zero Liability Protection.
Card detail
Truist Bank Business
Annual fee:
$0
Regular APR:
15.49% - 24.49% Variable
Our Rating:
3.35
scorer
Credit score
Fair to Excellent (580-799)
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles
  • Balance Transfer APR:
    15.49% - 24.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Bank Business Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 billing cycles on purchases. After that, the variable APR is 15.49% - 24.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • No Intro APR period on balance transfers
    • Penalty APR
    • Foreign Transaction Fee
  • Benefits:
    • Add authorized cardholders at no additional charge;
    • Digital account management with Truist Online Banking and Truist eZBusiness;
    • Intuit QuickBooks┬« integration;
    • Travel Accident Insurance;
    • Travel and Emergency Assistance Services;
    • Auto Rental Collision Damage Waiver;
    • Visa┬« Zero Liability protection;
    • Extended Warranty Protection.
Card detail
Truist Bank Business Travel Rewards
Annual fee:
$0 introductory annual fee for the first year
$49 thereafter
Regular APR:
17.49% - 26.49% Variable
Our Rating:
4.24
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • 20,000x Bonus miles when you spend $2,000 within 90 days of account opening.
  • Balance Transfer APR:
    17.49% - 26.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Bank Business Travel Rewards Credit Card earns 20,000 miles when you spend $2,000 within 90 days of account opening. The Card offers 2x miles for each $1.00 in eligible purchases on airline tickets, car rentals or hotel lodging and 1x mile for each $1.00 in eligible purchases.

    The Card's annual fee: $0 introductory annual fee for the first year, $49 thereafter. The APR for purchases and balance transfers is 17.49% - 26.49% Variable.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
    • Annual Fee
  • Benefits:
    • 20,000 miles when you spend $2,000 within 90 days of account opening;
    • 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;
    • Up to $85 statement credit per organization every 4 years towards TSA PreCheck┬« or Global Entry┬« application fee reimbursement;
    • Loyalty Travel Bonus;
    • Zero Liability protection;
    • Digital account management through Truist Online Banking and Truist eZBusiness.
Card detail
Truist Enjoy Cash Secured
Annual fee:
$19 annually
Regular APR:
24.49% Variable
Our Rating:
4.64
scorer
Credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • 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.
  • Balance Transfer APR:
    24.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Enjoy Cash Secured Credit Card earns 3% Cash Back on gas, 2% Cash Back on groceries and utilities (up to the combined $1,000 monthly spend cap) and 1% Cash Back on all other eligible purchases.

    The APR for purchases and balance transfers is 24.49% Variable.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • High APR
    • No Intro APR period
  • Benefits:
    • 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;
    • Monthly payment history will be reported to three major credit bureaus;
    • Visa┬« Zero Liability;
    • Contactless payments and mobile wallets.
Card detail
Truist Business Cash Rewards
Annual fee:
$0
Regular APR:
17.49% - 26.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Purchase Intro APR:
    0% Introductory APR for the first 9 billing cycles
  • Balance Transfer APR:
    17.49% - 26.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Business Cash Rewards Credit Card earns 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). Plus, earn 1% Cash Back on all other eligible purchases.

    The Business Cash Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 9 billing cycles on purchases. After that, the variable APR is 17.49% - 26.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 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;
    • Visa┬« Zero Liability protection;
    • Travel and Emergency Assistance Services;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Lost Luggage Reimbursement;
    • Visa Signature Concierge.
Card detail
Truist Enjoy Cash
Annual fee:
$0
Regular APR:
18.49% - 27.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Purchase Intro APR:
    0% Introductory APR for 12 months
  • Balance Transfer APR:
    18.49% - 27.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Enjoy Cash Visa® Credit Card is a cash back card from Truist Bank.

    Earn 3% Cash Back on gas and 2% on utilities and groceries (with a combined $1,000 monthly spend cap) - and 1% on all other eligible purchases. Or choose to earn 1.5% Cash Back on all eligible purchases.

    The Enjoy Cash Visa® Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 months on purchases. After that, the variable APR is 18.49% - 27.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period on balance transfers
  • Benefits:
    • 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;
    • Visa┬« Zero Liability Protection;
    • Contactless payments and mobile wallets.
Card detail

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?

Choosing the right credit card from a specific credit card company is quite challenging. Considering Truist , there are three steps that can help you.

First and foremost, you are to check your credit score. It varies from "PoorÔÇŁ to ÔÇťExcellentÔÇŁ, and the higher your score is, the better Truist options of credit cards are available to you.

Then, you have to understand why you need a Truist credit card and determine the most crucial features your potential credit card should have. If you search for a credit card to improve your credit score, look for the ones with long grace period and no annual fee. If you want to avoid spending money on interest, Truist credit cards with the lowest interest and introductory rates are your best choice. If you are looking for a credit card with cash rewards, check the rewards program the Truist offers.

As a third step, try tocompare the Truist offers you find the best for you, but now taking into consideration all the features. In general, the perfect credit card has the following characteristics: near-zero annual percentage rate (APR), no fees, high credit limit, the finance charge calculations include one billing cycle only, and large 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

    Today, Truist issues a wide range of credit cards with various features, yet itÔÇÖs important to find the one that will be the best for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us