Our illustration, not the card’s design
Truist credit card
Cash Rewards Visa® Credit Cards
- APR up · 18.74% to 18.99% · Nov 1, 2026
No annual fee. Purchase APR 18.99–27.99%, variable. No foreign transaction fees.
Checked Nov 8, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 8, 2026
Issuer's page · truist.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 8, 2026
Issuer's page · truist.com
“Your APR will be between 18.99% and 27.99% .”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 8, 2026
CFPB credit card survey · Reported to the CFPB
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 8, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 30% of the 651 cards we track.
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Changes
- Nov 1, 2026 APR 18.74% to 18.99%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 8, 2026 Issuer's page · truist.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 8, 2026 Issuer's page · truist.com “Your APR will be between 18.99% and 27.99% .” |
| Intro APR | Receipt · Intro APRChecked Nov 8, 2026 Issuer's page · truist.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 8, 2026 Issuer's page · truist.com “A 3% fee ($10 minimum) applies to each balance transfer † Truist Enjoy Cash Credit Card Disclosure (opens in a modal)” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 8, 2026 Issuer's page · truist.com “27.99%” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 8, 2026 Issuer's page · truist.com “4% of each advance or $10.00 minimum on transactions greater than $10” |
| Penalty APR | Receipt · Penalty APRChecked Nov 8, 2026 Issuer's page · truist.com The source states this figure; we have no exact sentence on file yet. |
| Late payment | Receipt · Late paymentChecked Nov 8, 2026 Issuer's page · truist.com “Up to $40” |
| Returned payment | Receipt · Returned paymentChecked Nov 8, 2026 Issuer's page · truist.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 8, 2026 CFPB credit card survey · Reported to the CFPB The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 8, 2026 Issuer's page · truist.com “Your due date is at least 25 days after the close of each billing cycle.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 8, 2026 Issuer's page · truist.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · truist.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · Reported to the CFPB, since Oct 4, 2026
- What is the purchase APR?
- 18.99–27.99% APR · truist.com, since Nov 1, 2026
- Is there an intro APR?
- 0.00% for 12 months. · truist.com, since Sep 29, 2026