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5 Star Rating
I love Truist they are one of the best unrated banks in existence... I have gotten funding through them with easy and am able to achieve my financial goals...
Product: Truist Credit Cards
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Compare Truist Credit Cards
Please find below credit cards offered by Truist.
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Secured Credit CardMin Deposit of $400
One-Time Fees$0
Regular APR24.24% (V)
Secured Card
Min Deposit of $400
One-Time Fees
$0
Regular APR
24.24% (V)
annual fee
$19
monthly fee
$0
rewards rate
1 - 3% Cash Back
minimum credit
Bad Credit
Pros
- High rewards rate
- Bonus rewards categories
- Low membership fees
- No foreign fee
Cons
- Spending caps on rewards
- High regular APR
- Requires security deposit
- Does not report to the three major credit bureaus
Rewards Details
- Earn up to 3% cash back on gas, 2% on utilities and groceries (with a combined $1,000 monthly cap)
- Earn 1% on all other eligible purchases.
- Receive a 10% Loyalty Cash Bonus when you redeem Cash Rewards through an ACH deposit into any Truist checking, savings or money market account.
Additional Info
- Customizable card controls for added security.
- Visa® Zero Liability protection against unauthorized card use.
- Monthly payment history will be reported to three major credit bureaus.
- More Details & Reviews About Truist Enjoy Cash Secured Credit Card
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR18.24% - 27.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
18.24% - 27.24% (V)
annual fee
$195
rewards rate
1 - 3 points / $1
Bonus Offer
30,000 points
Bonus Offer
30,000 points
minimum credit
Excellent Credit
Pros
- High rewards rate
- 30,000 points initial rewards bonus
- No foreign fee
Cons
- High membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
Rewards Details
- Earn 30,000 bonus points after you spend $1,500 within 90 days of account opening.
- Earn unlimited points — 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 purchase.
- Receive up to $100 annual travel experience statement credit for items such as ground transport, streaming services, and ticket agencies.
- Up to $100 statement credit for TSA PreCheck® or Global Entry® fee awarded once every four years.
Additional Info
- Metal composite card design.
- Customizable card controls for added security.
- Contactless payments and mobile wallets for faster checkout.
- Visa® Zero Liability protection against unauthorized card use.
- More Details & Reviews About Truist Enjoy Beyond credit card
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR18.24% - 27.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
18.24% - 27.24% (V)
annual fee
$0
rewards rate
1 - 2 miles / $1
Bonus Offer
20,000 miles
Bonus Offer
20,000 miles
minimum credit
Excellent Credit
Pros
- No membership fees
- High rewards rate
- 20,000 miles initial rewards bonus
- No foreign fee
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
Rewards Details
- Earn 20,000 bonus miles after you spend $1,500 within 90 days of account opening.
- Earn 2x miles per $1 spent on airfare, car rentals, and hotels. Earn 1x miles per $1 spent on all other eligible purchases.
- Redeem miles for cash back, gift cards, hotel stays, airline tickets, and merchandise.
- A statement credit up to $85 for TSA PreCheck® or Global Entry® fee is awarded once every four years.
- 10%, 25% or 50% Loyalty Travel Bonus based on your Truist deposit relationship when you redeem your rewards for travel through the rewards program.
Additional Info
- Customizable card controls for added security.
- Contactless payments and mobile wallets for faster checkout.
- Visa® Zero Liability protection against unauthorized card use.
- More Details & Reviews About Truist Enjoy Travel credit card
Purchase Intro APR0% for 12 months
Transfer Intro APRNot Offered
Regular APR18.24% - 27.24% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
Not Offered
Regular APR
18.24% - 27.24% (V)
annual fee
$0
rewards rate
1.5% Cash Back
minimum credit
Excellent Credit
Pros
- No membership fees
- 0% intro APR on purchases
- No foreign fee
Cons
- No initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Requires excellent credit
Rewards Details
- Enjoy Cash lets you choose from two cash back options when you apply—so you earn what fits your spending habits best
- Option 1: Earn 3% cash back on gas, 2% on groceries and utilities (up to the combined $1,000 monthly spend cap on 2% or 3% eligible purchases) and 1% on all other eligible purchases.
- Option 2: Earn 1.5% cash back on all eligible purchases.
- 10%, 25%, or 50% Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account
Additional Info
- Customizable card controls for added security.
- Contactless payments and mobile wallets for faster checkout.
- Visa® Zero Liability protection against unauthorized card use.
- More Details & Reviews About Truist Enjoy Cash credit card
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Truist Credit Card Reviews
3.6
1,033 reviews
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1 Star Rating
I was talked into to using my charge card that I had never used by the branch manager to pay for my dog’s surgery, when I had the money in savings. My first statement, the interest was 24.99 % the next month 25.49%. I went too the bank found out the pay off and paid exactly what was owed, Zero balance, just got a statement that I owe them
15.35 in interest charges- on a zero balance !!! I’m going Wednesday drawing all my savings out and as soon as I get the auto pays changed over the checking is going too!! Don’t go here try somewhere else!!
15.35 in interest charges- on a zero balance !!! I’m going Wednesday drawing all my savings out and as soon as I get the auto pays changed over the checking is going too!! Don’t go here try somewhere else!!
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1 Star Rating
Verified CustomerWorst bank I’ve ever dealt with in my life. I get all kinds of fees on my Credit card with no explanation, they talk in circles on the phone not answering legitimate questions, I get hung up on in customer service. This bank is joke, take your money else where.
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5 Star Rating
Verified CustomerI have been in partnership with this credit card since 96. They have been a GREAT partnership for my business . We have complete success!!
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1 Star Rating
Truist MC supprt line Rude condescending girl Waited on hold 10 mins She answered as recording: systm probs call back Mon I asked to ask a gen'l ? She said DID YOU NOT HEAR WHAT I JUST SAID.
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5 Star Rating
Verified CustomerEasy to use and pay for since it’s tied to my primary bank account. Also the bank is close by. The bank also provides me with a daily update on the status of each of my accounts.
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2 Star Rating
Only available in limited areas. It's only available in NJ, NYC and PA. Not MA. They don't tell you that until you apply. And CS hold times are LONG
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5 Star Rating
Verified CustomerEasy & accurate, Really can’t believe this app setup was as easy as it was to set up! I’d advise anyone & everyone to get this application
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1 Star Rating
I had to notify Truist Bank's Credit Card/Cardmember Services of (2) seperate Credit Card disputes/and/or/chargebacks. One of the chargeback disputes pretty much resolved itself when the merchant finally got around to issuing the credit for the item, however the merchant issued the credit $12.00 short of what the total credit should have been so Truist's chargeback department had to contact the merchant over the $12.00 difference to try and get the money back from them. In the case of the 2nd chargeback dispute the merchant never issued credit for the item and so I had to forward all the necessary documents to Truist's chargeback department which included a written 3 page document and 2 pages of UPS/or/United Parcel Service Tracking documents showing that the merchant received the package that I "refused" back and signed for it but never processed a credit to my credit card account. It's like chargebacks 101. Truist's chargeback department never issued a "provisional credit" for this and the disputed amount remains part of my outstanding balance. As a person who occasionally likes to pay off their balance in full this chargeback makes it difficult because they did not issue the provisional credit to my account while the dispute is being investigated and I don't know the exact amount of the outstanding balance w/interest charges to get the legit part of the balance paid in full. I have logged about 20 to 30 plus phone calls which include hang ups and being blindly transferred to various departments regarding the issuance of the provisional credit and still no coherent answer. Truist has their chargeback department in a foreign call center and the representatives simply don't know what they are doing or saying. They don't even understand how the chargeback processes works and how they pertain to the Visa/MC rules and regulations. It is sooooooo frustrating and aggrivating. I've been calling for weeks now to get an answer and I'm not getting anywhere fast. I have informed them that I am going to try to get assistance from the local branch and if that fails I will take the necessary steps to contact the CFPB the government agency who overseas financial institutions and force them to respond, and this blemish and complaint will show up on their permanent record. The Truist Bank is just a mess. I am seriously considering just getting rid of the credit card altogether when this whole ordeal is over. As someone who worked in the credit card industry for 22 years before changing careers they get big 0 stars and I wouldn't even give them that if I could give them a negative score. My advice to people is to STAY AWAY FROM TRUIST BANK. PLEASE RUN RUN RUN FOR YOUR LIVES!!!!!
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5 Star Rating
Verified CustomerIt's a great manageble card, easy to use at bank and reweing at anytime. It's why I use it anytime ? so if u got interest in a card like this one, go for it.
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Truist Credit Card Q&A
Get answers to your questions about Truist Credit Cards below. For more general questions, visit our Answers section.
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How do you redeem SunTrust rewards?
15
UpvotesReply
Christie Matherne
The easiest way you can redeem SunTrust (now Truist) rewards is by logging in to your online account and navigating to the rewards redemption section of their website. You can also redeem rewards through the Truist mobile app or by calling the Rewards Redemption Center at (800) 255-7125. But if you redeem for travel over the phone, there's a $25 service fee.
SunTrust (now Truist) Rewards Redemption Options
- Statement credit
- Cash back
- Travel purchases
- Gift cards
- Merchandise
- Event tickets
If you redeem credits from any Truist credit card for a deposit into your Truist personal checking, savings or money market account, you'll get a “Loyalty Cash Bonus.” The bonus could be 10%, 25% or 50% of your redemption, depending on the balances in all your Truist accounts. Higher balances mean a higher bonus. Cash redemptions into a Truist deposit account are always worth more than getting a normal statement credit.
If you have any trouble redeeming your rewards, call Truist rewards customer service at (800) 255-7125.
Are there any BB&T business rewards cards?
17
UpvotesReply
Bogdan Roberts
No, there aren't any BB&T business rewards cards available right now. BB&T is now part of Truist Bank, which doesn't offer business credit cards either, but you could use a general-consumer credit card from Truist Bank for business expenses. Plus, other credit card companies offer plenty of business credit cards with rewards.
Popular Business Rewards Credit Cards
- Overall: Capital One Spark Cash PlusCapital One Spark Cash PlusLearn MoreLearn More
- Best for Big Purchases: Ink Business Premier℠ Credit CardInk Business Premier℠ Credit CardLearn MoreLearn Moreon issuer's website
- Initial Bonus: Ink Business Preferred® Credit CardInk Business Preferred® Credit CardLearn MoreLearn Moreon issuer's website
- Travel Rewards: Capital One Spark Miles for BusinessCapital One Spark Miles for BusinessLearn MoreLearn More
- Limited Credit: Capital One Spark Classic for BusinessCapital One Spark Classic for BusinessLearn MoreLearn More
- Bad Credit: Business Advantage Unlimited Cash Rewards Secured credit cardBusiness Advantage Unlimited Cash Rewards Secured credit cardLearn MoreLearn More
What rewards do BB&T credit cards offer?
10
UpvotesReply
Maria Adams
The BB&T credit cards offer rewards in the form of cash back and miles, depending on the card. The earning rate varies as well. For instance, the BB&T Spectrum Cash Rewards Credit Card offers 3% cash back on gas, 2% cash back on utilities and groceries on up to $1,000 of combined monthly spend, and 1% cash back on all other purchases.
The BB&T Spectrum Travel Rewards Credit Card, on the other hand, offers 2 miles per $1 spent on air, hotel and car rentals, 1 mile per $1 spent on all other purchases.
The BB&T rewards redemption options include merchandise, gift cards, cash back, airline tickets, hotel bookings, auto rental bookings, cruises, and more.
How do I check my SunTrust credit card application status?
3
UpvotesReply
Sebi Mitchell
You can check on your SunTrust credit card application status by calling (800) 477-9702. Follow the prompts to be connected to a customer service representative who can help you with your inquiry. SunTrust will also send you a letter letting you know if you were approved or denied.
If your application is denied, there's still some hope left. Call (800) 477-9702 to ask for a reconsideration by explaining your particular situation. If that doesn't change the issuer's decision about your denial, consider becoming an authorized user on someone else's account.
How do I apply for a SunTrust credit card?
12
UpvotesReply
Maria Adams
You cannot apply for a SunTrust credit card anymore as the company no longer exists. SunTrust has merged with BB&T in February 2022 under the name of Truist. You can apply for a Truist credit card online, over the phone at (844) 487-8478, or at a branch.
Here are some of the best Truist credit cards:
- Travel: Truist Enjoy Travel credit cardTruist Enjoy Travel credit cardLearn MoreLearn More
- Ongoing Rewards: Truist Enjoy Beyond credit cardTruist Enjoy Beyond credit cardLearn MoreLearn More
- Secured: Truist Enjoy Cash Secured Credit CardTruist Enjoy Cash Secured Credit CardLearn MoreLearn More
Ultimately, it is worth mentioning that most Truist credit cards require excellent credit, which is a credit score of 750+. However, the Truist Enjoy Cash Secured Credit Card is available for applicants who do not meet these criteria.
If you'd like to know where you stand, you can check your credit score for free, right here on WalletHub.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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