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Truist Enjoy Cash Credit Card
Truist Enjoy Cash Credit Card
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The Enjoy Cash Visa® Credit Card is an interesting cash back credit card from Truist. The card offers the choice of how to earn cash back, with options including 1.5% unlimited cash back on all purchases or elevated rewards on gas, groceries, and utilities.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Option 1: Earn 3% cash back on gas, 2% back on groceries and utilities (up to combined $1,000 monthly spend cap), and 1% cash back on all other eligible purchases
- Option 2: Earn 1.5% cash back on all eligible purchases
- Up to 50% Loyalty Cash Back Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account
- No annual fee
- Contactless payments and mobile wallets for faster checkout
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You already bank with Truist
- You don’t want to pay an annual fee or foreign transaction fees
- You want the option of deciding how you earn your cash back rewards
Truist Enjoy Travel Credit Card
Truist Enjoy Travel Credit Card
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Enjoy Travel Visa® Card provides quality miles on eligible travel purchases, a TSA Pre-Check® statement credit every four years, and more. The card, from Truist Bank, also features a competitive APR, no annual fee, and no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2X miles on airfare, hotels, and car rentals
- Up to 50% Loyalty Travel Bonus based on your Truist direct relationship when you redeem your rewards for travel through the rewards program
- Redeem miles for cash back, gift cards, hotel stays, airline tickets, and merchandise
- No annual fee
- Contactless payments and mobile wallets for faster checkout
- Regular Purchase APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You travel often and want a streamlined rewards card
- You use TSA Pre-Check®
- You plan to spend at least $1,500 on purchases in the first 90 days of being a cardholder
- You do't want to pay an annual fee
Truist Future Credit Card
Truist Future Credit Card
- 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The Truist Future Visa Credit Card offers 15 months of 0% intro APR on purchases and balance transfers, a competitive APR after that, no foreign transaction fees, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Features the lowest APR of Truist's card offerings
- No annual fee
- Enjoy 15 months of 0% APR on purchases and balance transfers
- Contactless payments and mobile wallets for faster checkout
- Customizable card controls for extra security
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You have an existing credit card balance you want to pay down
- You're planning a big-ticket purchase
- You have excellent credit and can access the very best interest rates
- You do't want to pay an annual fee
Truist Enjoy Beyond Credit Card
Truist Enjoy Beyond Credit Card
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 18.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Truist Enjoy Beyond Visa® Credit Card offers up to 3X points on purchases, a decent introductory offer, and lucrative travel statement credits – all for a $195 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3X points per $1 on travel purchases, 2X on dining, and 1X on all other eligible purchases
- Receive up to $100 annual travel experience statement credit for items such as ground transportation, streaming services, and ticket agencies
- Get up to a $100 statement credit for TSA Pre-Check® or Global Entry® – awarded once every four years
- Unlimited rewards earning
- Contactless payments and mobile wallets for faster checkout
- Regular Purchase APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 18.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $195
- Late Payment Penalty Fee: Up to $40
- You travel often and want a streamlined rewards card
- You use TSA Pre-Check®
- You plan to spend at least $1,500 on purchases in the first 90 days of being a cardholder
- You don’t require lounge access to enjoy travel
Truist Enjoy Cash Secured Credit Card
Truist Enjoy Cash Secured Credit Card
- 24.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 24.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Enjoy Cash Secured Visa® Credit Card is a secured cash back credit card from Truist. The card offers elevated cash rewards on gas, groceries, and utilities, plus the chance to build a positive credit history for a modest $19 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 3% cash back on gas, 2% on utilities and groceries (with a combined $1,000 monthly cap), and 1% back on all other eligible purchases
- Unlimited cash back rewards
- Monthly payment history will be reported to three major credit bureaus
- Up to 50% Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account
- Low annual fee
- Regular Purchase APR: 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $19
- Late Payment Penalty Fee: Up to $40
- Minimum Deposit Required: See Terms
- You already bank with Truist
- You can afford the $400 minimum deposit requirement
- You want versatile cash back rewards
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About Truist
Truist, also known as Truist Financial Corporation, is a North Carolina-based bank and holding company that formed through the merger of two other banks: BB&T (Branch Banking and Trust Company) and SunTrust. BB&T and SunTrust joined forces in late 2019 to form Truist Bank. Together, the brands operate over 2,000 branches across 15 U.S. states.
History of SunTrust
SunTrust is an American bank with its headquarters in Atlanta, Georgia. The bank traces its roots back to 1891 and the Commercial Travelers’ Savings Bank of Atlanta. In 1973, Trust Company of Georgia (which was the then name of Commercial Travelers’ Savings Bank of Atlanta) merged with First National Bank of Orlando to become SunBanks. In 1995, after a series of mergers with banks in Florida, the name SunTrust was introduced.
History of BB&T
BB&T dates to 1887 and Branch and Company, Bankers. The bank, based in North Carolina, quickly grew, and by 1923 ha more than $4 million in deposits. BB&T continued to enjoy considerable growth throughout the 20th century, with more than 2,500 branches by 2010. At the time of the merger with SunTrust in 2019, BB&T operated more than 2,700 branches across the southeastern United States.
Truist Locations
Truist Bank operates roughly 4,000 branches between BB&T and SunTrust Bank. These branches and ATMs are mostly situated in the southeastern United States, with a focus on the following states:
- Alabama
- Arkansas
- Florida
- Georgia
- Maryland
- Mississippi
- North Carolina
- South Carolina
- Tennessee
- Virginia
- Washington, D.C.
For more information on Truist branch and ATM locations, please visit the bank’s dedicated locations page.
Truist Credit Cards
Truist issues several credit cards for business and personal use. The cards, all Visa products feature the following protections and security features:
- Zero Fraud Liability:Cardholders pay nothing if their card is subject to unauthorized use or theft.
- Visa Emergency Card Services:Emergency assistance nearly anywhere in the world, 24/7. Services include lost card reporting and replacement, emergency cash disbursement, and more.
- ID Theft Protection:Complimentary credit report monitoring that alerts cardholders to any changes or fraud concerns.
FAQs About Truist
Here are answers to some frequently asked questions about Truist Bank:
Yes. While some branches still make use of the SunTrust name, the parent company is now Truist.
Yes. While some branches still make use of the BB&T name, the parent company is now Truist.
According to reports, Truist uses either TransUnion, Equifax, or both, for checking an applicant’s credit history.
The Truist customer service team can be reached at 1-800-476-4228
- The ACH routing number for SunTrust is 061000104, while BB&T’s routing number is 053101121.
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