Truist Bank Credit Cards

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

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By Hanna Volkava

Updated June 01, 2025

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Truist Bank Cash Rewards Visa®

Annual fee:

Regular APR:

18.49% - 27.49% Variable

Our Rating:

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.

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Card detail

Truist Bank Future

Annual fee:

Regular APR:

16.49% - 25.49% Variable

Our Rating:

3.81

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.

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Card detail

Truist Bank Enjoy Travel

Annual fee:

Regular APR:

18.49% - 27.49% Variable

Our Rating:

3.84

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.

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Card detail

Truist Bank Enjoy Beyond

Annual fee:

$195 annually

Regular APR:

18.49% - 27.49% Variable

Our Rating:

3.99

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.

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Card detail

Truist Bank Business

Annual fee:

Regular APR:

15.49% - 24.49% Variable

Our Rating:

3.35

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.

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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

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.

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Card detail

Truist Bank Enjoy Cash Secured

Annual fee:

$19 annually

Regular APR:

24.49% Variable

Our Rating:

4.64

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.

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Card detail

Truist Bank Business Cash Rewards

Annual fee:

Regular APR:

17.49% - 26.49% Variable

Our Rating:

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.

View all Business Cash Rewards details

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Card detail

Truist Bank Enjoy Cash

Annual fee:

Regular APR:

18.49% - 27.49% Variable

Our Rating:

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.

View all Enjoy Cash details

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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 best credit card from a specific credit card issuer can be challenging. Considering Truist , the three following steps will help you.

First of all, you are to figure out your credit score. It can vary from "Poor” to “Excellent”, and the higher your credit score is, the better Truist options of credit cards are available to you.

Then, you need to understand why you need a Truist credit card and determine the most important aspects your potential credit card must have. If you want a credit card to improve your credit, look for the ones with long grace period and no annual fee. If your aim is to save money on interest, Truist credit cards with the lowest interest and long intro offer are your best choice. If you are looking for a credit card with cash rewards, pay attention to the rewards program offered by Truist .

As a third step, compare the Truist offers you find the best for you, but now considering all the aspects. In general, the best credit card fits the following characteristics: low annual percentage rate (APR), no fees, high credit limit, 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 numerous options, yet it’s important to find the one that designed for you.

Hanna Volkava

Financial and product expert

hv@myfin.us

Truist Bank Credit Cards

Best Credit Cards in June 2025

Bank Truist credit cards pros and cons

Pros

Cons

How to Choose the Right Truist Credit Card?

Side-by-Side Comparison of Truist Credit Cards

Conclusion

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