Truist Credit Cards

Choose your way to max out your rewards—on groceries, gas, and a lot more.

Choose your rewards

Enjoy Travel Card Fly further. Stay longer.

Enjoy double miles on airfare, car rentals, and hotels.

*See Rates, fees & rewards for Enjoy travel credit card account.

Apply now

Enjoy Beyond Card Level up to that VIP feeling.

Enjoy the red-carpet experience when traveling or dining out.

*See Rates, fees & rewards for Enjoy Beyond credit card account.

Apply now

Credit card features

There are so many great reasons to carry a Truist Visa® credit card.

Star benefits

Cash back, extra miles, low rates, or upscale perks. Make doing the things you love even more rewarding.

Card controls

Protection feels good. Receive real-time alerts, set spending limits, lock or unlock your card with our mobile app.

Contactless payments

Every card has tap-to-pay, so checkout is faster—and safer. Whew.

Extra rewards

Our rewards cards let you earn Loyalty Bonuses when you have a Truist checking or savings account.

Find your card for every day

Choose a card highlight to learn more.

Truist Enjoy Cash credit card

Cash Rewards

Earn unlimited rewards. You choose how. Earn 3% cash back on gas and EV charging and 2% on utilities and groceries (with a combined $1,000 monthly spend cap)—and 1% on all other eligible purchases.^{Disclosure 2} Or choose to earn 1.5% on all eligible purchases.^{Disclosure 3}

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No annual fee^{Disclosure 1}

Loyalty Cash Bonus

when redeemed into a Truist deposit account^{Disclosure 2, Disclosure 3}

0% intro APR

on purchases for 12 months
after account opening^{Disclosure 1}

0% intro APR

for 12 months after account opening on balance transfers made in the first 90 days of account opening

19.99% - 28.99% variable APR

after the intro rate expires^{Disclosure 1}

Heads up! You choose the rewards type when you apply, you just can’t change it later.

Earn unlimited rewards your way.

How would you like to earn your rewards? Enjoy Cash lets you choose from two great cash back options when you apply—so you earn what fits your spending habits best.

OPTION 1

3% cash back

on gas and EV charging^{Disclosure 2}

2% cash back

on groceries and utilities^{Disclosure 2}
(up to the combined $1,000 monthly spend cap)

1% cash back

on all other eligible purchases^{Disclosure 2}

Apply now

See rates, fees & rewards for Enjoy Cash credit card option 1.

OPTION 2

1.5% cash back

on all eligible purchases^{Disclosure 3}

Apply now

See rates, fees & rewards for Enjoy Cash credit card.

See how the Enjoy Cash card works for you.

Key benefits

Choose from two ways to earn cash back when applying.
No annual fee.^{Disclosure 1}
Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account^{Disclosure 2, Disclosure 3}

Features

Customizable card controls for added security.
Contactless payments and mobile wallets for faster checkout.
Visa® Zero Liability^{Disclosure 11} protection against unauthorized card use.

Card agreement (PDF)
Visa Traditional card benefits
Visa® Signature card benefits (PDF)

Truist Enjoy Travel credit card

Travel rewards

Your next destination could come even sooner. Earn 2x miles per $1 spent on airfare, car rentals, and hotels. Earn 1x miles per $1 spent on all other eligible purchases.^{Disclosure 5} Plus, a statement credit up to $85 for TSA PreCheck® or Global Entry® fee is awarded once every four years.^{Disclosure 5}

Apply now

See rates, fees & rewards for Enjoy Travel credit card.

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No annual fee^{Disclosure 4}

20,000 bonus miles

after you spend $1,500 within 90 days of account opening

19.99% - 28.99%

variable APR on purchases and balance transfers^{Disclosure 4}

See how the Enjoy Travel card works for you.

Key benefits

Earn 2x miles on airfare, hotels, and car rentals.^{Disclosure 5}
Loyalty Travel Bonus based on your Truist deposit relationship when you redeem your rewards for travel through the rewards program.^{Disclosure 5}
Redeem miles for cash back, gift cards, hotel stays, airline tickets, and merchandise.

Features

Customizable card controls for added security.
Contactless payments and mobile wallets for faster checkout.
Visa® Zero Liability^{Disclosure 11} protection against unauthorized card use.

Card agreement (PDF)
Visa Traditional card benefits
Visa Signature® card benefits (PDF)

Truist Future credit card

Our lowest rate

Roll higher-interest debt from other bank’s cards into a single payment at a lower rate. Get your next big purchase now and save on interest. You’ll find so many ways to save with our lowest APR and no annual fee.^{Disclosure 6}

Apply now

See rates & fees for Truist Future credit card.

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No annual fee^{Disclosure 6}

0% intro APR for 15 months

on all purchases^{Disclosure 6}

0% APR for 15 months
on balance transfers in the first 90 days after account opening^{Disclosure 6}

17.99% - 26.99% variable APR

on purchases and balance transfers after the intro rate expires^{Disclosure 6}

A 3% fee ($10 minimum) applies to each balance transfer.^{Disclosure 6}

See how the Truist Future card works for you.

Key benefits

The lowest APR of any card we offer.
No annual fee.^{Disclosure 6}
Save on interest when you transfer higher-rate balances.

Features

Customizable card controls for added security.
Contactless payments and mobile wallets for faster checkout.
Visa® Zero Liability^{Disclosure 11} protection against unauthorized card use.

Card agreement (PDF)
Visa Traditional card benefits

Truist Enjoy Beyond credit card

Premium rewards

Level up to that VIP feeling. Earn 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 purchases^{Disclosure 8}—plus lots of other perks.

Apply now

See rates, fees & rewards for Enjoy Beyond credit card.

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$95

Annual fee^{Disclosure 7}

30,000 bonus points

after you spend $1,500 within 90 days of account opening

19.99% - 28.99%

variable APR on purchases and balance transfers^{Disclosure 7}

See how Truist Enjoy Beyond works for you.

Key benefits

Earn unlimited points—3x on travel purchases, 2x on dining, and 1x on all other eligible purchases.^{Disclosure 8}
Receive up to $100 annual travel experience statement credit for items such as ground transport, streaming services, and ticket agencies.^{Disclosure 8}
Up to $120 statement credit for TSA PreCheck® or Global Entry® fee awarded once every four years.^{Disclosure 8}
Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account.^{Disclosure 8}

Features

Metal composite card design.
Customizable card controls for added security.
Contactless payments and mobile wallets for faster checkout.
Visa® Zero Liability^{Disclosure 11} protection against unauthorized card use.

Card agreement (PDF)
Visa Traditional card benefits
Visa® Signature card benefits (PDF)

Truist Enjoy Cash Secured Visa® Credit Card

Truist Enjoy Cash Secured credit card

Practice good credit habits

Rewards while working on your credit. Win-win. Earn up to 3% cash back on gas and EV charging, and 2% on utilities and groceries (with a combined $1,000 monthly cap)—and 1% on all other eligible purchases.^{Disclosure 10}

Apply now

See rates, fees & rewards for Enjoy Cash Secured credit card.

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No annual fee^{Disclosure 9}

Security deposit required up to the approved credit limit.

Loyalty Cash Bonus

when you redeem your rewards into a Truist deposit account^{Disclosure 10}

27.99%

variable APR on purchases and balance transfers^{Disclosure 9}

See how Truist Enjoy Cash Secured works for you.

Key benefits

Earn unlimited cash back rewards on everyday purchases.
Monthly payment history will be reported to three major credit bureaus.
Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account.^{Disclosure 10}

Features

Customizable card controls for added security.
Contactless payments and mobile wallets for faster checkout.
Visa® Zero Liability^{Disclosure 11} protection against unauthorized card use.

Card agreement (PDF)
Visa Traditional card benefits
Visa Signature® card benefits (PDF)

Compare Truist Credit Cards
	Rewards	Intro APR/offer	Purchase APR	Annual fee
Enjoy Cash credit card See rates, fees & rewards for Enjoy Cash credit card. Heads up! You choose the rewards type when you apply, you just can’t change it later.	3% cash back on gas and EV charging 2% on utilities and groceries (up to the $1,000 monthly spend cap) 1% on all other eligible purchases^{Disclosure 2} – OR – 1.5% cash back on all eligible purchases^{Disclosure 3}	0% intro APR on purchases for 12 months after account opening^{Disclosure 1} 0% intro APR for 12 months after account opening on balance transfers made in the first 90 days after account opening^{Disclosure 1}	19.99% - 28.99% variable APR after the intro APR expires^{Disclosure 1}	$0^{Disclosure 1}
Enjoy Travel credit card See rates, fees & rewards for Enjoy Travel credit card.	2x miles per $1 spent on airfare, hotels, and car rentals 1x miles per $1 spent on all other eligible purchases^{Disclosure 5}	20,000 bonus miles when you spend $1,500 in first 90 days after account opening	19.99% - 28.99% variable APR^{Disclosure 4}	$0^{Disclosure 4}
Future credit card See rates & fees for Future credit card.	None	0% intro APR for 15 months after account opening on purchases^{Disclosure 6} 0% intro APR for 15 months after account opening on balance transfers made in the first 90 days after account opening^{Disclosure 6}	17.99% - 26.99% variable APR after the intro APR expires^{Disclosure 6}	$0^{Disclosure 6}
Enjoy Beyond credit card See rates, fees & rewards for Enjoy Beyond credit card.	3x points per $1 spent on airfare, hotels, and car rentals 2x points per $1 spent on dining 1x points per $1 spent on all other eligible purchases^{Disclosure 8}	30,000 bonus points when you spend $1,500 in first 90 days after account opening	19.99% - 28.99% variable APR^{Disclosure 7}	$95^{Disclosure 7}
Enjoy Cash Secured credit card See rates, fees & rewards for Enjoy Cash Secured credit card.	3% cash back on gas and EV charging 2% on utilities and groceries (up to the $1,000 monthly spend cap) 1% on all other eligible purchases^{Disclosure 10}	None (Requires a $400 minimum refundable deposit in a Truist Secured Savings Account to open.)	27.99% variable APR^{Disclosure 9}	$0^{Disclosure 9}

Cash back

Enjoy Cash credit card

Rewards: 3% cash back on gas and EV charging, 2% on utilities and groceries (up to the $1,000 monthly spend cap), 1% on all other eligible purchases^{Disclosure 2} – OR – 1.5% cash back on all eligible purchases^{Disclosure 3}

Intro APR/offer: 0% intro APR on purchases for 12 months after account opening^{Disclosure 1}

0% intro APR for 12 months after account opening on balance transfers made in the first 90 days after account opening^{Disclosure 1}

APR: 19.99% - 28.99%
variable APR after the intro APR expires^{Disclosure 1}

Annual fee: $0^{Disclosure 1}

Truist Enjoy Travel Visa® Credit Card with EMV chip technology

Travel rewards

Enjoy Travel credit card

Rewards: 2x miles per $1 spent on airfare, hotels, and car rentals, 1x miles
per $1 spent on all other eligible purchases^{Disclosure 5}

Intro APR/offer: 20,000 bonus miles when you spend $1,500 in first 90 days after account opening

APR: 19.99% - 28.99%
variable APR^{Disclosure 4}

Annual fee: $0^{Disclosure 4}

Truist Future Visa® Credit Card with EMV chip technology

Low rate

Future credit card

Rewards: None

Intro APR/offer: 0% intro APR for 15 months after account opening on purchases^{Disclosure 6}, 0% intro APR for 15 months after account opening on balance transfers made in the first 90 days after account opening^{Disclosure 6}

APR: 17.99% - 26.99%
variable APR after the intro APR expires^{Disclosure 6}

Annual fee: $0^{Disclosure 6}

Truist Enjoy Beyond Visa® Credit Card with EMV chip technology small

Premium rewards

Enjoy Beyond credit card

Rewards: 3x points per $1 spent on airfare, hotels, and car rentals, 2x points per $1 spent on dining, 1x points per $1 spent on all other eligible purchases^{Disclosure 8}

Intro APR/offer: 30,000 bonus points when you spend $1,500 in first 90 days after account opening

APR: 19.99% - 28.99% variable APR^{Disclosure 7}

Annual fee: $95^{Disclosure 7}

Truist Enjoy Cash Secured Visa® Credit Card with EMV chip technology

Build credit

Enjoy Cash Secured credit card

Rewards: 3% cash back on gas and EV charging, 2% on utilities and groceries (up to the $1,000 monthly spend cap), 1% on all other eligible purchases^{Disclosure 10}

Intro APR/offer: None (Requires a $400 minimum refundable deposit in a Truist Secured Savings Account to open.)

APR: 27.99% variable APR^{Disclosure 9}

Annual fee: $0^{Disclosure 9}

Cash rewards