Truist credit cards
Southeastern regional bank with its Enjoy rewards card family and relationship bonuses.
About Truist
Truist is a Southeastern regional bank best known in cards for its Enjoy rewards family: Truist Enjoy Cash, Truist Enjoy Travel and the premium Truist Enjoy Beyond. It also offers the Truist Future card, which Truist promotes as its lowest-rate card, and the Truist Enjoy Cash Secured card, which earns tiered cash back while you build credit.
Truist suits you if you already bank with Truist and want a straightforward cash-back or travel card, a low-rate card for carrying a balance, or a secured card with rewards. You can check whether you are pre-qualified without impacting your credit. The limitation: Truist is a regional bank with a smaller card lineup than the large national issuers, so frequent travelers and points collectors may find stronger options elsewhere. Its secured card also needs a deposit of at least $400, higher than some competitors require.
Notable Truist cards
- Truist Enjoy Cash
- Truist Enjoy Travel
- Truist Enjoy Beyond
- Truist Future
Approval rules and tips
Truist does not publish a formal limit on how often you can apply. Approval is based on your credit score, income, existing debt and recent applications — check any pre-qualification tool first, because it uses a soft inquiry.
- Use Truist's pre-qualification check to see available offers without impacting your credit.
- A full application after pre-qualifying results in a hard inquiry.
- The Truist Enjoy Cash Secured card needs a security deposit up to your approved credit limit, with a $400 minimum.
- If you stop partway through, Truist's online application lets you retrieve an application in progress.
How to apply for a Truist card
Apply online at truist.com, in the Truist app or at a Truist branch. The official pre-qualification check lets you see available offers without impacting your credit; a full application then results in a hard inquiry. Have your Social Security number, date of birth, address, income and housing payment ready. For the secured card, you will also need at least $400 for the security deposit.
Customer service: www.truist.com · 844-487-8478
Truist FAQs
What credit cards does Truist offer?
Truist's notable cards include Truist Enjoy Cash, Truist Enjoy Travel, Truist Enjoy Beyond, Truist Future. See the cards we review below for fees, rewards and APRs.
Does Truist have special approval rules?
Truist does not publish a formal application-frequency rule. Approval depends on your credit score, income, existing debt and recent applications.
How do I apply for a Truist credit card?
Apply on www.truist.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new Truist card?
See our step-by-step guide to activating a Truist credit or debit card — online, in the app or by phone.
Does Truist offer a secured credit card?
Yes. The Truist Enjoy Cash Secured card requires a security deposit up to your approved credit limit, with a $400 minimum. It earns tiered cash back on the same structure as Enjoy Cash, with 3% on gas and EV charging, 2% on utilities and groceries and 1% on other purchases, subject to Truist's terms.
What is the Truist Future card?
Truist Future is the Visa card Truist promotes as its lowest-rate card, with a low intro APR period that Truist advertises at 15 months. It suits you if you expect to carry a balance and care more about interest cost than rewards. Check current terms before applying, since intro offers change.