USES

Cash Rewards Visa® from Truist Bank Review

Cash Rewards Visa® from Truist Bank — all information about the credit card.

Updated December 04, 2023
Advertiser Disclosure Our Methodology
Truist Cash Rewards Visa®
Apply now
Our Rating:
5 out of 5
scorer
Recommended 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.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for 12 months
  • Regular APR:
    18.49% - 27.49% Variable
  • Balance Transfer APR:
    18.49% - 27.49% Variable
Show more

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Regular APR
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Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
Apply now

Truist Bank Cash Rewards Visa® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3%
Gas
$
2%
Groceries
$
1%
All other purchases
$
Calculate
Show less details

All benefits

  • Cash back
    • 3% On gas.
    • 2% On groceries and utilities (up to the combined $1,000 monthly spend cap).
    • 1% On all other eligible purchases.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for 12 months
  • Purchase APR
    • 18.49% - 27.49% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 18.49% - 27.49% Variable
  • APR for Cash Advances
    • 27.49% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on new purchases if you pay your entire balance in full by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 3% of each advance ($10.00 minimum)
  • Fees for Cash Advances
    • 4% of each advance or $10.00 minimum on transactions greater than $10
  • Penalty Fees
    • None
  • Return Payment
    • None
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
  • Intro APR period on purchases
Cons:
  • No Intro APR period on balance transfers
  • No welcome bonus

Features

Classic
Visa
Contactless
  • 0% Intro APR
  • No Annual Fee
  • No foreign transaction fees
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Excellent Credit

About the issuer

Truist Bank
Truist Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Good credit score
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
4.35 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 1.5%
    Cash Back on payments.
  • None
    Purchase Intro APR
Apply now
On Upgrade‘s website
Divvy Cross River Bank
Divvy
Cross River Bank
4.04 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • None
    Regular APR
  • 2x - 7x:
    Points on restaurants.
  • None
    Purchase Intro APR
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Capital One Spark Cash Select for Excellent Credit
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5 out of 5
Recommended credit score
score
Excellent (740-799)
  • None
    Annual Fee
  • 18.49% - 24.49%
    Regular APR
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  • None
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See Another Credit Cards in the Bank

Truist Bank Cash Rewards Visa® is an option for those, who need Classic features. With an APR of 18.49% - 27.49% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Excellent (740-799) credit score. With Truist Bank Cash Rewards Visa® you will get such features as 0% Intro APR, No Annual Fee, No foreign transaction fees, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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3.6 out of 5
Recommended credit score
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Fair to Good (580-739)
  • $39
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    Regular APR
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    Purchase Intro APR
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