Start here for clear steps on submitting an online application and checking pre-approval odds. You can get a soft-pull pre-approval that won’t affect your credit score, then decide if you want to move forward with a full request that triggers a hard inquiry.
Know what to have on hand: name, address, date of birth, and a government ID. The USA PATRIOT Act may also require proof of identity. Truist may verify income and employment and will review credit reports when processing, renewing, or adjusting an account.
Key terms matter. Variable APRs follow the Wall Street Journal Prime Rate (7.00% as of Oct 30, 2025) and change with market moves. Annual fees post in the first billing cycle, balance transfers carry a $100 minimum, and some wealth clients may get fee waivers. Expect benefits like no foreign transaction fees and ways your deposit account can boost cash redemptions.
Key Takeaways
- Use pre-approval for a soft check before a full application.
- Have ID, address, birth date, and income info ready.
- APR varies with the Prime Rate; this affects interest and minimums.
- Annual fees post early; some clients may receive waivers.
- Balance transfers require at least $100.
- Contact customer service if you have eligibility questions or need help choosing rewards.
Truist credit cards at a glance and why they fit your goals
Compare the lineup quickly to match a rewards plan with your typical monthly spend. Each option balances fees and perks differently, so pick one that fits fuel, bills, travel, or credit-building needs.
Compare Truist options
- Enjoy Cash — $0 annual fee; choose flat 1.5 cash back or tiered 3% cash back gas and 2% on utilities groceries (up to $1,000 combined monthly), then 1% elsewhere.
- Enjoy Travel — $0 annual fee; 2 miles per $1 on airfare, hotels, car rentals and 1 mile elsewhere; $85 TSA/Global Entry credit every four years.
- Enjoy Beyond — $195 annual fee; 3 points per $1 on travel, 2 points on dining, plus $100 travel and $100 TSA/Global Entry credits.
- Future — $0 annual fee; simple, low-cost option for steady use and building history with Truist bank.
- Enjoy Cash Secured — $19 annual fee and $400 refundable deposit; tiered cash rewards mirror Enjoy Cash while helping establish credit as a secured credit card.
Key benefits to know now
No foreign transaction fees across the lineup makes each card a good pick for travel or overseas purchases.
Redemption rules matter: cash back needs a $25 minimum, travel rewards require 2,500 miles/points, and rewards expire five years after they’re earned.
How to Apply for a Credit Card at Truist Bank: a step-by-step guide
A quick online soft pull shows likely offers without affecting your score. Use that preview to narrow options and avoid an unnecessary hard inquiry.
“A soft pre-approval gives a useful snapshot of available offers while leaving your credit untouched.”
- Check pre-approval on the website with a soft pull; this does not change your credit report.
- Choose between a cash credit card, a travel credit option, or a secured credit product like Enjoy Cash Secured.
- Gather ID per the USA PATRIOT Act: legal name, address, date of birth, SSN, and a driver’s license if asked.
- Know inquiries: the pre-check is soft; submitting the full form creates a hard inquiry and Truist may pull credit for approval.
- Understand rates: APRs are variable — Prime Rate plus a margin. Purchases and transfers use Prime + 11.99%–20.99%; cash advances are higher.
- If picking Enjoy Cash Secured, fund the required deposit (min. $400) so your secured account opens fast.
| Product | Annual Fee | Top Earn | Notes |
|---|---|---|---|
| Enjoy Cash | $0 | 3% gas/utilities | Flat 1.5% or tiered options |
| Enjoy Travel | $0 | 2x miles travel | TSA/Global Entry credit |
| Enjoy Cash Secured | $19 | Tiered cash back | Refundable deposit, builds credit |
| Future | $0 | Simple rewards | Good for steady use |
After approval: review account terms. Annual fee posts in the first billing cycle and may be waived for eligible wealth clients. Set up online access, enable alerts, and add the new card to your mobile wallet so earnings start right away.
Pro tips to boost approval odds and maximize Truist rewards value
Match spending patterns with the right rewards setup to boost both approval chances and earning power. If most of your bills go toward utilities groceries and fuel, the tiered Enjoy Cash structure with cash back gas can out-earn a flat 1.5 cash back option.
Use account relationships
Deposit redemptions into an eligible Truist account to unlock a 10%–50% redemption boost. That raise effectively increases cash rewards without changing how you spend.
Mind redemption rules
Set reminders for the $25 cash back minimum and the 2,500 points/miles threshold. Rewards expire five years after issuance, so redeem regularly to avoid loss.
Travel and category strategy
Put spent airfare, hotels, and rentals on Enjoy Travel or Enjoy Beyond for higher points per spent and to use TSA PreCheck/Global Entry credits. None of the lineup charges foreign transaction fees, so use these cards overseas confidently.
Secure a path forward
The Enjoy Cash Secured product needs a $400 deposit and reports payments to bureaus. Keep utilization low and pay on time to build history and aim for an upgrade to unsecured credit later.
- Fine-tune applications: lower balances and clean reports improve approval odds; use pre-approval when unsure.
- Optimize monthly: hit tier caps early, then shift spending to a secondary card for steady cash back.
Conclusion
Wrap up your choice, weigh rewards, fees, and how each option matches monthly spend. Start with a soft-pull pre-approval so you can preview likely terms without hurting your score.
Pick the right credit card for everyday cash or travel. Enjoy Cash and Enjoy Travel fit different habits; Enjoy Cash Secured helps build history. Remember variable APRs follow Prime plus a margin, annual fees post early, and rewards need minimums and expire after five years.
Have questions? Review your account terms, use the soft-check, then submit when ready. Pair a cash card with a travel credit for balanced value and stronger long-term rewards.