What Truist credit cards offer and who they suit

Truist offers a small lineup of cards focused on cash back and travel rewards, issued through their banking platform. The cards are available to customers who have or open a Truist checking account, and some offer bonus categories that reward specific spending patterns — groceries, gas, dining, or travel purchases. Truist does not publish a full card portfolio online the way larger issuers do, so your options depend partly on your account status and credit profile.

The main cards in rotation are the Truist Enjoy Card (cash back on everyday purchases), the Truist Preferred Card (higher rewards on travel and dining), and the Truist Business Rewards Card (for small business owners). Each has different annual fees, bonus structures, and earning rates. Because Truist is a regional bank with branches mainly in the Southeast and Mid-Atlantic, these cards work best if you already bank there or are willing to open an account to access them.

Key Takeaways

  • Truist credit cards require you to have a Truist checking account, and some cards offer higher rewards rates if you maintain a minimum balance or direct deposit.
  • The Truist Enjoy Card earns flat-rate cash back with no annual fee, making it a baseline option for everyday spending.
  • The Truist Preferred Card offers bonus categories on travel and dining but carries an annual fee that may not justify the rewards for light spenders.
  • Truist cards earn rewards in points or cash back that do not transfer to airline or hotel programs — redemption is limited to statement credits or cash.
  • Truist's card terms and available products change frequently, so checking directly with your branch or the Truist website shows current offers and rates.

Truist Enjoy Card: flat cash back with no annual fee

The Truist Enjoy Card is the entry-level option and carries no annual fee. It earns a flat cash back rate on all purchases — typically 1% or 1.5% depending on your account tier and whether you have direct deposit set up. The card is designed for customers who want straightforward rewards without bonus categories or spending caps.

Cash back accrues as points that you redeem for statement credits, direct deposits to your Truist checking account, or gift cards. There is no sign-up bonus on this card, so the value comes entirely from ongoing purchases. If you spend $10,000 per year and earn 1.5% cash back, you accumulate $150 in rewards annually. The lack of an annual fee makes this card a reasonable choice if you want a no-cost way to earn rewards on everyday spending, but the flat rate means you do not get bonus rewards for categories like travel or dining.

Truist Preferred Card: higher rewards on travel and dining

The Truist Preferred Card targets customers who spend heavily on travel, dining, and entertainment. It typically earns higher cash back rates in those categories — often 3% or more — and a lower rate on other purchases. The card does carry an annual fee, which ranges depending on the current offer but is usually in the $95 to $150 range.

To determine whether the annual fee pays for itself, calculate your typical spending in bonus categories. If you spend $3,000 per year on travel and dining and earn 3% cash back, you get $90 in rewards — which covers most or all of the annual fee depending on the exact amount. If your bonus category spending is lower, the flat-rate Enjoy Card may deliver better value. The Preferred Card also may offer a sign-up bonus for new cardholders, usually in the form of statement credits or bonus points after you meet a spending threshold in the first few months.

Truist Business Rewards Card: for small business owners

The Truist Business Rewards Card is designed for sole proprietors and small business owners who want to separate business spending from personal cards. It earns cash back on business purchases — typically 1.5% flat or higher rates in categories like office supplies, travel, and advertising. The card requires a Truist business checking account and may have an annual fee.

Business cards from Truist do not report to your personal credit report, which can be useful if you want to keep business and personal credit profiles separate. However, you are typically personally liable for the balance, so late payments or high balances still affect your credit score. The business card also does not offer the same consumer protections as personal cards, such as extended warranty coverage or purchase protection, so review the terms carefully before explore.

How rewards and redemption work

Truist credit card rewards are earned as points that sit in your account and do not expire as long as your card remains open and in good standing. You redeem points through your Truist online banking portal, where you can choose to take a statement credit, transfer the balance to your Truist checking account, or purchase gift cards from partner retailers. Some cards also allow you to redeem points for travel bookings through Truist's travel portal, though the redemption value may be lower than if you took cash back and booked on your own.

Unlike rewards from American Express, Chase, or Capital One, Truist points do not transfer to airline or hotel loyalty programs. This limits your flexibility if you want to concentrate rewards toward a specific travel goal. The redemption rate is typically one point per dollar spent at the earning rate, so 1.5% cash back means you earn 1.5 points per dollar and can redeem them at a fixed value. Check your card's terms for the exact redemption rates, as they can vary by card and by redemption method.

Annual fees and account requirements

Truist's entry-level cards like the Enjoy Card have no annual fee, while premium cards like the Preferred Card charge an annual fee that you pay once per year. Some cards waive the annual fee for the first year or reduce it if you maintain a minimum balance in your Truist checking account or set up direct deposit. These requirements vary by card and by current promotion, so ask your branch or check the Truist website for the exact terms.

All Truist credit cards require you to have a Truist checking account to open the card. If you do not currently bank with Truist, you will need to open a checking account first, which involves providing identification, Social Security number, and initial deposit. Some accounts have monthly maintenance fees, though these are often waived if you maintain a minimum balance or set up direct deposit. Factor the cost of a Truist checking account into your decision if you do not already have one.

Comparing Truist cards to national issuers

Truist cards are competitive for customers who already bank with Truist or live in a region where Truist has branches, but they have fewer options than national issuers like Chase, American Express, or Capital One. Chase's Freedom Unlimited card, for example, offers 1.5% cash back with no annual fee and no account requirement — you can open it without having a Chase checking account. American Express's Blue Cash Everyday card offers 1% cash back on all purchases and 3% on groceries, with no annual fee.

The main advantage of a Truist card is integration with your Truist checking account — you can see all your banking and credit activity in one place, and some cards offer bonus rewards if you maintain certain account balances. The main disadvantage is limited redemption options and a smaller rewards program compared to national banks. If you are not a Truist customer and are shopping for a cash back card, you will likely find more generous terms and more flexibility with a national issuer.

How to find current Truist card offers

Truist's credit card lineup and offers change frequently, and not all cards are available to all customers. The best way to see what cards you can open is to log into your Truist online banking account, visit a local branch, or call Truist customer service. Your may be able to access depends on your credit score, account history with Truist, and current account balances.

When you contact Truist, ask about any current sign-up bonuses, annual fee waivers, or promotional rates. Also ask whether the rewards rates and annual fees match what you see on the Truist website, because branch offers sometimes differ from online offers. If you do not have a Truist checking account yet, ask what account types are available and whether any have no monthly fee — this will affect the total cost of opening a card with Truist.

Frequently Asked Questions

Do I need a Truist checking account to open a Truist credit card?

Yes. All Truist credit cards require an active Truist checking account. If you do not have one, you will need to open an account first, which may involve a minimum deposit and could carry a monthly maintenance fee depending on the account type.

Can I transfer Truist credit card rewards to airline or hotel programs?

No. Truist rewards stay within the Truist program and can only be redeemed for statement credits, cash transfers to your checking account, or gift cards. They do not transfer to airline miles or hotel points programs.

What is the sign-up bonus on Truist credit cards?

Sign-up bonuses vary by card and change frequently. Some Truist cards offer statement credits or bonus points after you spend a certain amount in the first few months, while others have no sign-up bonus. Check with Truist directly or visit your branch to see current offers.

Do Truist credit cards have foreign transaction fees?

Most Truist credit cards do charge foreign transaction fees, typically around 3% of the purchase amount. If you travel internationally frequently, compare this to cards from national issuers that waive foreign transaction fees, such as certain travel rewards cards.

What happens to my rewards if I close my Truist credit card?

Rewards typically expire if you close your card, so redeem any remaining points before you close the account. Check your card's terms for the exact policy, as some cards may allow a grace period to redeem after closure.