Truist is a financial powerhouse that’s all about helping you achieve your financial goals through its unique credit card options. Say hello to a universe of rewards, exclusive benefits, and unmatched convenience as it offers you an exceptional array of credit cards designed to elevate your purchasing power and lifestyle.
Embrace the freedom to customize your financial journey with features like contactless payments, comprehensive security measures, and intuitive mobile banking. Whether you’re a savvy traveler, a cashback enthusiast, or seeking a card with low interest rates, discover the ideal card that suits your preferences.
So, check out these best-in-class Truist credit cards and turn every purchase into an opportunity to earn and save.
- Truist Enjoy Cash Credit card
- Truist Future Credit Card
- Truist Enjoy Beyond Credit Card
- Truist Enjoy Cash Secured Credit Card
- Truist Enjoy Travel Credit Card
Overview of Truist Credit Cards
How to Choose the Best Truist Credit Card
Pros & Cons of Truist Credit Cards
What to Watch Out For…
Pro Tips
Recap
1. Truist Enjoy Cash Credit Card
Truist Enjoy Cash Credit Card gives you cashback on all your eligible purchases, and it gets even better with additional cashback when you shop at selected merchants. You’ll enjoy the convenience of contactless payments and mobile app management while you manage your finances with the low APR and zero annual fees.
Pros
- Unlimited rewards and 0% introductory APR offer on purchases
- Multiple ways to earn
- Loyalty cash bonus
- Foreign transaction fees do not apply
Cons
- Limited acceptance at some merchants
- Introductory APR offer for balance transfer is not inclusive
- Good credit score requirement for approval
- Low rewards compared to other cashback credit cards
- Receive 3% cash back at gas stations and on EV charging
- Obtain 2% cash back on groceries and utilities
- Take note of a spending cap limit of $1000 for cashback on groceries and utilities
- Earn 1% cashback on all your other eligible purchases
- Consider another option of earning 1.5% cash back on all your eligible purchases
- Pay $0 annual fee
- Enjoy 0% introductory APR for 12 months on only purchases
- Pay 18.24% to 27.24% variable APR on purchases after the intro period
- Take note of an APR range of 18.24% to 27.24% for balance transfers and cash advances
- Get a cash bonus after you redeem your cashback rewards into a Truist deposit account
- Access your account online and enjoy mobile banking services 24/7
- Receive security alerts for suspicious transactions
- Choose a reward option that suits your spending habits
2. Truist Future Credit Card
Consolidate your debts with the Truist Future Credit Card and save big! You can combine all your other banks’ credit card debts into one and start paying at a low APR. By doing so, you reduce interest payments and simplify your financial life. Take control of your finances and start your journey towards a debt-free future!
Pros
- Convenient debt consolidation option
- Low APR for savings
- Streamlined financial management process
- Exclusive introductory APR offer on purchases and balance transfers
Cons
- Strict qualification requirements
- Introductory APR offers are only available for a certain period (15 months)
- Special rewards program are not available
- Minimum of $10 fee for balance transfers
- Pay $0 annual fee
- Enjoy 0% introductory APR on all purchases for 15 months
- Transfer balance within the first 90 days you open your account and receive a 0% introductory offer for 15 months
- Take note of a variable APR of 16.24% – 25.24% on purchases and balance transfers after the introductory APR offer expires
- Incur a fee of 3% ($10 minimum) on each balance transfer
- Get cash advances at an annual percentage rate of 27.24%
- Receive purchase protection benefits
- Enjoy 0% interest rates on new purchases when you pay your entire balance in full every month
- Do not worry about penalty APR
3. Truist Enjoy Beyond Credit Card
Get ready for perks galore with the Truist Enjoy Beyond Credit Card! Earn unlimited reward points on your everyday purchases and travel with peace of mind, thanks to its comprehensive travel benefits. Also, you receive a loyalty cash bonus after you redeem your cash benefits into a Truist deposit account. Don’t wait – apply now and elevate your spending experience!
Pros
- Unique card design
- Convenient payment options such as contactless payments and mobile wallets
- Loyalty cash bonus
- Unlimited reward points and exclusive travel perks.
Cons
- Annual fee apply
- Specific conditions to receive rewards
- Introductory APR offer is not available
- Late payment fee apply
- Get 3x points for each dollar you spend on hotels and car rentals
- Obtain 2x points per every $1 you spend on dining and 1x points for each $1 you spend on all other eligible purchases
- Receive 30,000 bonus points for up to $1500 purchases in your first 3 months
Benefit from a variable APR of 18.24% – 27.24% on purchases and balance transfers - Pay an annual fee of $195
- Access numerous travel benefits and earn 3x points on travel purchases
- Secure up to $100 travel statement credit annually
- Modify your card for extra security measures
- Receive a cash bonus when you redeem your earnings into a Truist deposit account
- Avoid late payments as it attracts up to $40 fee charge
- Pay 4% of each cash advance you receive and 3% of each balance transfer ($10 minimum)
- Incur zero charges for returned payments and for exceeding your credit limit
4. Truist Enjoy Cash Secured Credit Card
Consider the Truist Enjoy Cash Secured Credit Card if you desire to earn unlimited cashback rewards while building or rebuilding your credit score. You secure the credit limit with a deposit, making it low-risk for you and Truist Bank. By using the card responsibly and making on-time payments, you’ll improve your credit score and receive cashback on all your purchases.
Pros
- Potential credit limit increases over time
- Loyalty cash bonus
- Unique opportunity for credit building
- Unlimited cashback rewards
Cons
- Upfront cash deposit for security
- Initial deposit should equate the approved credit limit
- Annual fee apply
- Unsuitable for large credit needs
- Get a variable APR rate of 24.24% on purchases and balance transfers
- Take note of an annual fee of $19
- Receive 3% cash back at gas stations
- Earn 2% cashback on groceries and utilities (up to $1000 maximum every month)
- Obtain 1% cashback on all your other eligible purchases
- Use credit card responsibly as three major credit bureaus will receive your monthly payment history
- Enjoy flexible payment options and insurance coverage
- Get cash advance at an annual percentage rate of 27.24%
- Incur up to $40 fee charge when you make a late payment
- Pay zero fee for foreign transactions and do not worry about penalty APR
5. Truist Enjoy Travel Credit Card
Get the best travel perks with the Truist Enjoy Travel Credit Card! From flights to hotel stays, you can earn rewards for every purchase and maximize your benefits with no foreign or annual transaction fees. Don’t forget to unlock valuable benefits like airline credits and hotel discounts with exclusive access to airport lounges for a more relaxing journey.
Pros
- Annual and foreign transaction fees do not apply
- Diverse options for redeeming rewards
- Enhanced protection against fraud
- Special discounts and offers
Cons
- High APR if balances aren’t paid on time
- Good credit score requirement for approval
- Certain restrictions on redeeming points during peak seasons
- Introductory APR offer is not available
- Earn 2x miles for every $1 you spend on hotels and airline tickets
- Get 1x miles for each dollar you spend on all other eligible purchases
- Obtain 20,000 bonus miles after you make up to $1500 purchases within the first 90 days
- Pay a variable APR of 18.24% – 27.24% on purchases, cash advances and balance transfers depending on your creditworthiness
- Exchange miles for cash back, hotel stays or gift cards
- Receive up to $85 statement credit for TSA PreCheck
- Enjoy up to $1,000,000 in travel accident insurance
- Stay protected against unauthorized transactions on your credit card with zero liability protection
- Incur a minimum of $10 cash advance fee for amounts greater than $10
- Receive a loyalty travel bonus after you deposit your redeemed travel rewards in a Truist deposit account
Overview of Best Truist Business Credit Cards
Truist Credit Cards – your gateway to financial flexibility and rewards. With Truist’s wide range of credit card options, you can tailor your spending to suit your lifestyle. Earn cashback on your everyday purchases, indulge in travel rewards, or build your credit responsibly. Maximize your benefits by managing your account online, where you track expenses and make secure payments. Apply today and unlock your financial potential!
How To Choose a Credit Card
Use the following steps to determine the ideal Truist Credit Card for your lifestyle:
- Assess your spending habits and financial needs
- Compare the rewards and benefits of different Truist credit cards
- Review the annual fees and interest rates
- Check for any introductory offers or sign-up bonuses
- Investigate the redemption options for rewards earned
- Consider the card’s compatibility with your preferred payment methods
- Examine the card’s additional perks, such as travel insurance or purchase protection
- Check if the card aligns with your credit score
- Consult with Truist representatives for personalized advice and recommendations
Pros & Cons of Truist Credit Cards
- Pros
Choose Truist and enjoy a plethora of credit card offerings that come with:
- Valuable cash back and reward points
- Advanced data protection measures
- Attractive introductory offers
- Versatile merchant acceptance
- Cons
Ignore Truist and go for an alternative credit card due to its:
- Slow response time when resolving issues
- Penalty fee for late payments
- Hidden fees and charges
- Specific conditions for redeeming points during peak seasons
What to Watch Out For
While you are reviewing the Truist Credit Card options, watch out for:
- High interest rate traps
- Restrictive credit limits
- Unclear terms and conditions
- Short promotional periods
- Complicated redemption processes
Pro Tips
Practice these pro tips while using your Truist Credit Card:
- Track your expenses regularly
- Set up automatic payments to avoid late fees
- Monitor your credit score for any changes
- Keep your credit utilization ratio low
- Report any unauthorized transaction immediately
- Set spending limits to stay within your budget
Recap
With Truist Credit Cards, you take control of your spending with diverse rewards and exclusive benefits tailored to fit your lifestyle. Maximize cashback opportunities on your everyday purchases and build a brighter financial future!
No Comment! Be the first one.