Truist credit cards are gaining attention in 2025 for their simple rewards, low fees, and strong digital banking features. With so many options available, choosing the right credit card can still feel overwhelming. So, how do Truist cards compare to top issuers?
In this review, we’ll explore everything you need to know about Truist credit cards. This guide helps you decide if a Truist credit card is the right fit for your financial goals. Let’s dive in.
Introduction to Truist Financial Corporation
Truist Financial Corporation ranks among the top 10 commercial banks in the United States. It was formed in December 2019 through the merger of BB&T and SunTrust. Headquartered in Charlotte, North Carolina, Truist combines more than 275 years of financial expertise. Today, it serves over 15 million clients through 1,900+ branches across 15 states and Washington, D.C.
Importantly, Truist operates with a clear mission: to inspire and build better lives and communities. This purpose influences every decision the company makes. Whether through in-person banking or digital tools, Truist focuses on trust, care, and collaboration. As a result, the bank continues to earn strong loyalty from both customers and employees.
In addition to banking, Truist supports long-term growth through innovation and giving. For example, its venture division, Truist Ventures, backs promising fintech startups. Meanwhile, the Truist Foundation provides grants to nonprofits and small businesses. Together, these efforts show Truist’s commitment to both financial leadership and social impact.
Overview of Truist Credit Cards
At its core, a credit card is a financial tool that allows you to buy now and pay later. When you make a purchase, the issuing bank covers the cost upfront. Later, you’re expected to repay that amount, either in full or over time. You can use credit cards for shopping online, dining out, booking hotels, or paying at any store that accepts card payments. While you can also withdraw cash at ATMs, this is typically discouraged due to high fees and interest.
Truist credit cards work on the same principle. They allow you to spend within a set credit limit and repay the amount to Truist Bank. In return, you may earn rewards, access promotional interest rates, or build your credit history,…. These rewards will depend on the card you choose.
In 2025, There are 5 main Truist credit cards, each tailored to specific financial needs. These fall into four core categories:
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Cashback Cards – ideal for everyday spending
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Travel Rewards Cards – perfect for frequent flyers
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Low-Rate or Balance Transfer Cards – built for managing existing debt
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Secured Credit Cards – great for building or rebuilding credit
Each card is designed for a specific audience, from students and first-time credit users to seasoned travelers and business owners. Whether you’re focused on maximizing rewards or establishing credit, Truist likely has a card that fits your financial goals.
Key Features and Benefits of Truist Credit Cards
Truist credit cards come with a range of features that enhance both convenience and long-term value for cardholders. Regardless of which card you choose, you’ll benefit from Truist’s modern digital banking tools, security protections, and customer-friendly policies.
To start, most Truist credit cards offer $0 annual fees, including: the Enjoy Cash, Enjoy Travel, Future, and Enjoy Cash Secured cards. This makes them accessible to a wide range of users from students and young professionals to those managing debt or rebuilding credit. Even the premium Enjoy Beyond card, which charges a $95 annual fee, offers travel credits and high-value rewards that can quickly offset the cost.
Truist also provides introductory 0% APR offers on select cards. These offers are especially useful for cardholders who want to finance large purchases or consolidate existing debt without immediate interest.
Security is another strong point. All Truist credit cards include Visa Zero Liability protection so you’re not held responsible for unauthorized transactions. Cards also come with contactless payment capabilities, mobile wallet compatibility, and real-time account alerts to help you manage your card on the go.
Additionally, Truist offers customizable card controls through its mobile banking app. You can set spending limits, track purchases by category, and even lock your card instantly if it’s lost or stolen.
Finally, Truist cardholders who also have eligible deposit accounts may receive loyalty bonuses, such as enhanced cashback or point redemptions. This makes Truist a compelling option for customers who want to manage credit and even long-term investing within one seamless ecosystem.
Types of Truist Credit Cards
Truist Bank offers a well-rounded lineup of credit cards which are suitable for different financial goals and lifestyles. Whether you’re looking to earn cashback on daily spending, rack up travel rewards, transfer a balance, or build your credit history, Truist credit cards can meet your needs. Each card comes with unique benefits, flexible features, and competitive terms so you can choose the one that aligns with your financial habits and long-term goals. Let’s explore the key categories.
Cashback Credit Cards
Truist offers competitive cashback options ideal for everyday spenders:
Enjoy Cash Credit Cards
The Truist Enjoy Cash credit card allows users to choose between two rewarding structures:
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Option 1:
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3% cashback on gas and EV charging
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2% on groceries and utilities (up to $1,000 in combined spend per month)
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1% on all other purchases
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Option 2:
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1.5% flat cashback on all purchases
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Note: You must choose your reward type when applying, and it cannot be changed later.
The Truist Enjoy Cash credit card offers a range of attractive features for everyday users. It includes a 0% introductory APR for 12 months on purchases, as well as on balance transfers made within the first 90 days of account opening.
After the promotional period, a variable APR between 19.49% and 28.49% applies, depending on your creditworthiness. Each balance transfer is subject to a 3% fee, with a minimum of $10.
Notably, the card has no annual fee so it’s a cost-effective option. Ideal for those who already manage daily finances through a checking account and want to earn cashback on essentials, this card also provides breathing room through its extended interest-free period.
Travel Rewards Credit Cards
For those who travel often, Truist credit cards make every trip more rewarding. These travel credit cards help you earn miles or points on common travel expenses such as: flights, hotels, and dining. Furthermore, they also offer valuable perks such as: bonus rewards and travel-related credits. Let’s explore the standout options.
Enjoy Travel Credit Cards
The Truist Enjoy Travel credit card is suitable for travelers who want to earn rewards on airfare, hotels, and rental cars without paying an annual fee.
Rewards Structure:
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2x miles per $1 spent on eligible travel purchases, including airfare, hotel stays, and car rentals
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1x mile per $1 spent on all other eligible purchases
Sign-Up Bonus:
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Earn 20,000 bonus miles after spending $1,500 on purchases in the first 90 days of account opening
Enjoy travel credit card comes with a variable APR ranging from 19.49% to 28.49% on both purchases and balance transfers, depending on your credit profile. Additionally, it charges no annual fee so it’s an accessible option for travel enthusiasts who want to earn rewards without added costs.
On the other hand, this kind of Truist credit cards does not offer an introductory APR. Therefore, it’s better appropriate for those focused on accumulating travel miles rather than seeking short-term interest savings. However, even for short-term expenses, pairing it with Truist tools such as payday loans or emergency funding options can provide added flexibility along with top of your rewards.
Enjoy Beyond Credit Card
The Truist Enjoy Beyond credit card is a premium travel rewards card tailored for frequent travelers who want to earn more on flights, hotels, and dining.
Rewards Structure:
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3x points per $1 spent on airfare, hotels, and car rentals
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2x points per $1 spent on dining
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1x point per $1 spent on all other eligible purchases
Welcome Bonus:
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Earn 30,000 bonus points after spending $1,500 on purchases within the first 90 days of account opening
The Truist Enjoy Beyond credit card features a variable APR is from 19.49% to 28.49% on both purchases and balance transfers, based on your creditworthiness. It carries a $95 annual fee and does not offer an introductory APR.
With generous travel and dining point multipliers, a substantial sign-up bonus, and strong ongoing rewards, this card is ideal for frequent travelers looking to maximize their spending benefits. Despite the annual fee, the value from rewards and bonus points can easily justify the cost for active users.
Balance Transfer Credit Cards
If you’re carrying high-interest personal debt on other credit cards, a balance transfer card can help you regain control. Truist’s balance transfer credit is a smart option for anyone looking to consolidate debt and reduce monthly financial pressure. Let’s take a closer look.
Future Credit Cards
Individuals looking to manage debt or finance large purchases with confidence and flexibility can use Truist Future credit card. Especially, it’s best fit those who want to avoid interest charges during the early months of card use.
The Truist Future credit card offers valuable flexibility for those managing debt or financing major purchases. It features a 0% introductory APR on purchases for 15 months after account opening, along with a 0% intro APR for 15 months on balance transfers made within the first 90 days.
After the promotional period, a variable APR starts from 17.49% to 26.49% according to your creditworthiness. Each balance transfer incurs a 3% fee, with a minimum charge of $10. With no annual fee, this card is a practical choice for users seeking temporary interest relief without extra costs.
With a lengthy 15-month introductory APR on both purchases and balance transfers, this card provides valuable breathing room for those consolidating high-interest debt or making planned expenses. It’s a straightforward, no-annual-fee solution that focuses on flexibility, not rewards for financial planning or temporary budget relief.
Secured Credit Cards
If you’re new to credit or working to rebuild it, secured credit cards can offer a reliable starting point. Backed by a refundable deposit, they help establish credit history while encouraging responsible spending.
Enjoy Cash Secured Credit Cards
The Truist Enjoy Cash Secured card is a smart choice for individuals looking to build or rebuild their credit responsibly while still enjoying everyday cashback rewards.
Rewards Structure:
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3% cashback on gas and EV charging
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2% on groceries and utilities, up to a combined $1,000 monthly spend cap
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1% cashback on all other eligible purchases
The Truist Enjoy Cash Secured credit card requires a refundable security deposit equal to your approved credit limit, with a minimum of $400. It comes with a 27.49% variable APR on both purchases and balance transfers. Moreover, it doesn’t require annual fee.
What sets this Truist credit card apart is its ability to earn real cashback rewards which is an uncommon feature among secured cards. For many cardholders, this fits into a broader plan. For example, it might be qualifying for better mortgage rates or gaining access to future business credit,…
Although the APR is relatively high, users who pay off their balance in full each month can avoid interest charges and steadily improve their credit. For individuals serious about strengthening their financial profile, this card offers both structure and everyday value.
How to Choose the Most Suitable Truist Credit Card
Due to multiple Truist credit cards available, choosing the most suitable one requires not only browsing features but also involves a thoughtful look at your lifestyle, spending behavior, and long-term financial goals. Below is a comprehensive guide to help you navigate the selection process with confidence.
Understand Your Spending Habits
The first step is to understand where and how you typically spend money. Do your expenses revolve around essentials like fuel, groceries, utilities, or online shopping? Or do you tend to spend more on experiences like travel and dining?
Mapping out your top spending categories allows you to find Trust credit card that rewards you in those exact areas. For example, someone financing a vehicle through a Truist auto loan might prioritize gas rewards, while a frequent flyer may value miles or points. Therefore, you tend to earn more from your regular purchases without changing your habits.
Define Your Financial Objective
Every Truist credit card serves a different purpose. Some are tailored for earning rewards, while others are structured to help you save on interest, manage existing debt, or build a strong credit history. Be honest about what you want from your credit card.
If you’re focused on maximizing value through cashback or points, prioritize rewards structures. On the other hand, if you’re looking to manage debt more efficiently, prioritize low interest or introductory APR offers. If your main goal is to build credit, look for options that support responsible use and credit growth.
Evaluate the Trade-Off Between Rewards and Fees
Many Truist credit cards offer no annual fee, while others include annual fees in exchange for enhanced benefits. It’s important to weigh whether those benefits justify the cost.
When you prefer simplicity and want to avoid fees, choose a card with low or no annual charges. But users frequently using premium features like travel perks, bonus points, or access to special programs might pay a fee could actually return more value than a no-fee alternative. The key is understanding what you’ll actually use and benefit from.
Think About How You Manage Balances
Not all cardholders use credit cards the same way. Some pay their balance in full each month, while others carry balances and focus on managing interest.
If you’re someone who may carry a balance occasionally whether from personal spending or even small business-related expenses, then a card with a low ongoing APR or an introductory 0% APR offer could provide meaningful savings. On the other hand, if you always pay in full, interest rates become less relevant, and you can focus entirely on maximizing rewards, features, and convenience.
Know Your Credit Profile
Your current credit score and financial history play a key role in determining which cards you’re eligible for. Cards with higher reward potential or premium features typically require strong credit.
In case you’re newer to credit or working on improving your score, a more basic or secured option may be more suitable with a better long-term strategy. Choosing a card that matches your current credit profile increases your chances of approval and sets you up for success as your credit improves over time.
The most suitable Truist credit card is the one that matches your personal financial behavior, not just what looks appealing on paper. By assessing your spending, defining your financial goals, understanding the total cost of ownership, and factoring in your credit standing, you can choose a card that works with you. Choose wisely to earn rewards, save money, and build a stronger financial future.
Truist credit cards in 2025 offer a strong blend of rewards, flexibility, and digital convenience. Whether you’re aiming to earn more from daily purchases, travel smarter, manage debt, or build your credit profile, there’s a Truist card supporting your goals. By aligning your financial needs with the right card features, you can turn everyday spending into long-term value. Take the time to evaluate your priorities and let Truist help you take the next step toward smarter credit.
