This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
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 $120 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.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Market Comparison
3.4
fees: 5.0
rewards: 3.3
cost: 3.0
APR: 3.4
Purchase Intro APR→0% for 12 months
Transfer Intro APR→0% for 12 months|Transfer Fee:3% (min $10)
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 and EV charging, 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.
Earn a 10% - 50% Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into an eligible 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.
Pros, Cons, & Details
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Seems their card alone gets stolen; I use mine for very little and yet like clockwork every other year or so it will get compromised. Lamenting my most recent one a coworker mentioned their family member's stolen card issues were coming from an internal employee. It's not just that. They're just bush-league. Everything about the bank is from 2000. Clunky UIs, unresponsive bankers, I could write a lot of what I've put up with for 20+ years. Oh well, their loss. Closing accounts and concluding business.
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jacob_birnbaum @jacob_birnbaum
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1 Star Rating
It is the manifestation of DEI and progressive thinking in banking, quite possibly the worst in the world. Customer service outsourced to hard-to-understand representatives, US branches run by DEI hires, zero interest provided, and they charge for every little fee. Meanwhile, if you cover any fees at 11:50, rest assured they will not be counted as paid that day, and you will be charged for additional fees. Terrible bank run by goblins, avoid at all costs. Even if you have no other banks to choose from, it would still be better to keep the money under your mattress than to leave it with these institutions.
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fbdiver122 @fbdiver122
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1 Star Rating
Truist is the absolute worst; their customer service is non-existent, their phone helpline is the absolute worst, no one speaks or understands English. Their online banking is a nightmare; stay away from this bank.
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michael del viscovo @michaeld21
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1 Star Rating
Had a car loan with them, refinanced due to the horrible customer service! Think of the worst customer service experience you've ever had and multiply it by 1000—that is Truist. You cannot understand one of the customer service representatives; they don't comprehend English, nor do they speak it clearly. They are not only difficult to understand, but they also don't seem to comprehend anything you are saying.
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Chad kiesz @chadkiesz
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1 Star Rating
By far, the worst bank/financial institution I've ever dealt with. Stay far away! I was forced to use Truist when financing a car at an out-of-state dealership (AZ). I had issues for three months trying to get the car's title to my local CA DMV for registration. I had to pay late fees because of them. Then, I refinanced my car loan with a local CU after it was finally registered in CA. Truist couldn't email me the payoff letter but could only send it by snail mail or fax. I requested it to be faxed three times but never received it. My CU loan officer had to call Truist to get the payoff amount (after being on the phone with them for an hour). My CU loan officer then overnighted the payoff check, which now Truist is claiming they don't have, or it's been lost since tracking shows it was delivered to their overnight mailing address. I've spent over 10 hours collectively trying to get this whole thing sorted out since April 2025. Whatever you do, do not bank with Truist; they are the worst! (To this day, it's still not sorted out; it's unreal.)
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Kr Ma @smartyklm75
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1 Star Rating
We had just recently opened a new account. I had just received our Federal Income Tax check late. We deposited the entire check, and today we were told that our account had been closed. I called the main office and was told that our account is not showing the deposit but should after midnight. Then I asked, "If the account is closed, then where is my money going?" I was told that all funds would not be in until the 24th. They said that they would give me a cashier's check for the amount that we deposited. So now there is almost $10,000 of my money in limbo. Truist is a joke. Then, on top of that, if you are cashing a Truist check but do not have an account, they charge you $8 every time.
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Marion Guenthner @marioncabot
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5 Star Rating
I am giving a five-star review; I would give six stars if it was possible. I had an issue with a payment not going through on a server that Truist uses. I called the service number multiple times, but the issue could not be resolved. Yesterday, I went to my local branch and the teller who helped me was amazing. She knew exactly who to call, and she fixed my big problem, completely solved in 12 hours. I will be going inside the bank from now on if I have any issues. She was kind, extremely capable, thorough, had excellent customer service skills, and assured me that the issue I was having would be resolved by the morning. The issue was resolved by 5 am; I went to the bank the previous day at 4 pm. I have read some of the negative reviews on this site, and I just don’t agree. The customer service at the bank is phenomenal.
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Israel @izzyharley
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5 Star Rating
Verified Customer
Awesome bank to deal with, great customer service. They go above and beyond to help their customers. 100 percent VETERAN APPROVED. Five thumbs up.
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rochelleglasgow @rochelleglasgow
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1 Star Rating
I purchased a car through a dealership that used Truist Bank as the lender. Setting up auto-pay was the worst experience with a bank ever! Their website was not user-friendly; there was no place to simply input your account number and use a simple auto-pay feature with that account number. They want you to set up a checking account, which has fees! I had to do face recognition, upload my driver's license, and all kinds of personal information, even though I already had the loan. I would think twice about going through this bank for a loan via a dealership.
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Kevin Doherty @sooner1265
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5 Star Rating
Walked into the Hernando bank (Citrus Hills) without an appointment with a co-worker who had a problem with her account. Walked up to the teller location and was greeted with a warm welcome. The person we were dealing with went above and beyond. They're not just someone there to take your money; they are problem solvers and clearly care about their customers. I've been banking with the stagecoach for the past thirty years and NEVER got this type of service. Kudos to the Hernando branch and kudos to the associate that helped us. Unfortunately, I didn't get her name.
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Review Truist Credit Cards
Truist Credit Card Q&A
Get answers to your questions about Truist Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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. 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 the 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, so the closest you'll get to a BB&T business card is the Truist Business Credit Card, which does not offer rewards. The card offers an intro APR of 0% for 12 months on purchases, followed by a regular APR of 15.49%-24.49% (V).
To get rewards, you could use a general-consumer credit card from Truist Bank for business expenses. Plus, other...
The BB&T credit cards used to offer rewards in the form of cash back and miles, depending on the card. However, it is worth noting that BB&T is now part of Truist Bank. The credit cards offered by Truist Bank give rewards in the form of cash back and miles, too.
You can make a Truist Bank payment online, by phone, or by mail. To pay Truist credit card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Truist Bank does allow cardholders to set up automatic payments, too.
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. If you wish to apply for a Truist credit card, you can do so online, over the phone at (844) 487-8478, or at a branch.
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by WalletHub: Truist Enjoy Cash Secured Credit Card, Truist Enjoy Beyond Credit Card, Truist Enjoy Travel Credit Card, and Truist Enjoy Cash Credit Card.
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