Compare Truist Credit Cards
Please find below credit cards offered by Truist.

Secured Card
See terms
One-Time Fees
$0
23.49% (V)
annual fee
$19
monthly fee
$0
rewards rate
1 - 3% Cash Back
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
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

Not Offered
Not Offered
17.49% - 26.49% (V)
annual fee
$195
rewards rate
1 - 3 points / $1
Bonus Offer
30,000 points
Bonus Offer
30,000 points
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

Not Offered
Not Offered
17.49% - 26.49% (V)
annual fee
$0
rewards rate
1 - 2 miles / $1
Bonus Offer
20,000 miles
Bonus Offer
20,000 miles
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

0% for 12 months
Not Offered
17.49% - 26.49% (V)
annual fee
$0
rewards rate
1.5% Cash Back
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
Truist Credit Card Reviews
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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?
You can redeem SunTrust rewards for statement credits, deposits into a SunTrust bank account, travel purchases, gift cards, or merchandise by logging in to your SunTrust account and navigating to the rewards redemption section of their website. You can also redeem rewards through the SunTrust 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 has three rewards-earning consumer credit cards, all of which accrue so-called “Cash Rewards credits” at different rates. You can start redeeming for cash back when you have the equivalent of $5 in Cash Rewards credits saved up. And if you redeem credits from any SunTrust credit card for a deposit into your SunTrust 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 SunTrust deposit accounts. Higher balances mean a higher bonus.
There are differences between SunTrust's rewards cards when it comes to redemption, though. For example, the SunTrust Travel Rewards Credit Card will get you a better redemption rate on travel than the other two SunTrust credit cards. And cash redemptions into a SunTrust deposit account are always worth more than getting a normal statement credit.
As for the merchandise you can get with your credits, SunTrust has quite a few options: high-end sunglasses, Amazon gift cards and branded merchandise, event tickets, jewelry, handbags, FitBits, and more. If you don't have enough SunTrust Cash Rewards credits for an item, you can always use a combination of rewards and your credit card.
If you have any trouble redeeming your rewards, call SunTrust rewards customer service at (800) 255-7125.
Are there any BB&T business rewards cards?
No, there aren't any BB&T business rewards cards available anymore. But there are alternatives for business owners looking for lucrative rewards.
For example, the Ink Cash card offers 1 - 5% cash back on purchases and an initial bonus of $900 for spending $6,000 in the first 3 months. Another good business rewards credit card is the Capital One Spark Miles for Business card. It offers an initial bonus of 50,000 miles for spending $4,500 in the first 3 months. Plus, you can earn 5 miles per $1 spent on hotels and rental cars booked through Capital One Travel, and 2 miles per $1 on all other purchases.
What rewards do BB&T credit cards offer?
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?
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?
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:
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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