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.
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.
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!!
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Product: Truist Credit Cards
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JuanD305 @JuanD305
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1 Star Rating
Verified Customer
Worst 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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Product: Truist Credit Cards
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Frank @fwhodges68
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5 Star Rating
Verified Customer
I 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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Product: Truist Credit Cards
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marciawhite98 @marciawhite98
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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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Product: Truist Credit Cards
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Forrest @forrestv
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5 Star Rating
Verified Customer
Easy 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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Product: Truist Credit Cards
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David Scott @davidsco27
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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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Product: Truist Credit Cards
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Diana Pritt @dianapritt00
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5 Star Rating
Verified Customer
Easy & 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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Product: Truist Credit Cards
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applejackthecat1679 @applejackthecat1679
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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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Product: Truist Credit Cards
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Jay @nclights
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5 Star Rating
Verified Customer
It'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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Product: Truist Credit Cards
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kathleen demko @coastalgrannie
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2 Star Rating
Not pleased at all with the online customer service. Found fraud on my credit card (6 a.m.) but no fraud # listed on the back of my card. I googled a number to call--went through 5-6 voice responses and finally the last one said: "We are closed. You must call back after 8 a.m." Went to local bank at 9 a.m.--they are wonderful. Checked on the fraud, account closed, credit card services will "rush" me new cards (overnight). I should expect them next day or day after. Here we are--5 days later--NO CARDS. Can't buy Christmas presents--trying to use debit sparingly. In addition--we had a backup card (we have been hacked several times). The bank did not send out those cards at renewal time (last week of November) because they were "inactive." This bank dos NOT understand customer service. Most of the people who worked at our local branch quit after the merger. I wonder what they knew???!!!!
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Product: Truist Credit Cards
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Review Truist Credit Cards
Truist Credit Card Q&A
Get answers to your questions about Truist Credit Cards below. For more general questions, visit our Answers section.
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.
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.
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.
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.
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 cardonline, over the phone at (844) 487-8478, or at a branch.
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.
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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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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