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Credit cards Overview

ENJOY CASH CARD

Earn unlimited
rewards. You
choose how.
Choose your way to max out your rewards—on
groceries, gas, and a lot more.

Choose your rewards

CREDIT CARD FEATURES

There are so many

great reasons to carry
a Truist Visa® credit
card.
Star benefits
Cash back, extra miles, low rates, or
upscale perks. Make doing the things
you love even more rewarding.

Card controls
Protection feels good. Receive real-
time alerts, set spending limits, lock
or unlock your card with our mobile
app.

Contactless payments
Every card has tap-to-pay, so
checkout is faster—and safer. Whew.

Extra rewards
Our rewards cards let you earn
Loyalty Bonuses when you have a
Truist checking or savings account.

FIND YOUR CARD FOR EVERY DAY

Choose a card
highlight to learn
more.

Compare all

CASH BACK
Enjoy Cash credit
card →
Rewards: 3% cash back
on gas, 2% on utilities
and groceries (up to the
$1,000 monthly spend
cap), 1% on all other
C
eligible purchases2 – OR
– 1.5% cash back on all
eligible purchases3
T
Intro APR/offer: 0% intro c
APR on purchases for 12
months after account
E
opening1
h
APR: 13.24% – 22.24%
2
variable APR after the
c
intro APR expires1
c
Annual fee: $01
p
o
TRAVEL REWARDS
Enjoy Travel credit
card →
Rewards: 2x miles per
$1 spent on airfare, N
hotels, and car rentals,
1x miles L
per $1 spent on all other w
eligible purchases5 ac
Intro APR/offer: 20,000
bonus miles when you
spend $1,500 in first 90 0
days after account
o
opening
ac
APR: 13.24% – 22.24%
variable APR4
1
Annual fee: $04
o

LOW RATE
Future credit H
card → ty
Rewards: None c
Intro APR/offer: 0% intro
APR for 15 months after
account opening on
purchases6, 0% intro E
APR for 15 months after y
account opening on
balance transfers made
H
in the first 90 days after
re
account opening6
fr
APR: 11.24% – 20.24%
w
variable APR after the
fi
intro APR expires6
Annual fee: $06

PREMIUM REWARDS
Enjoy Beyond
credit card →
Rewards: 3x points per
$1 spent on airfare,
hotels, and car rentals,
2x points per $1 spent
on dining, 1x points per
$1 spent on all other
eligible purchases8
Intro APR/offer: 30,000
bonus points when you
spend $1,500 in first 90
days after account
opening
APR: 13.24% – 22.24%
variable APR7
Annual fee: $1957

BUILD CREDIT
Enjoy Cash
Secured credit
card →
Rewards: 3% cash back
on gas, 2% on utilities
and groceries (up to the
$1,000 monthly spend
cap), 1% on all other
eligible purchases10
Intro APR/offer: None
(Requires a $400
minimum refundable
deposit in a Truist
Secured Savings
Account to open.)
APR: 19.24% variable
APR9
Annual fee: $199 S
c

Get paid for your

F
morning coffee with
deals.
Earn rewards just for shopping at your
favorite retailers. See an offer you like?
Just add, shop, and get paid. New deals
are added all the time.12

View deals

Already a Truist
cardholder?

Sign in to manage your account, set up

online bill pay, or request a credit line
increase. Have questions? Call 844-487-
8478. We can help.

Sign in

LIFE'S MOMENTS

What are your sights

set on?

5 tips for smart Prio

borrowing deb
free

PERSONAL CHECKING ACCOUNTS

A great card deserves

a great partner.
Unlock your credit card’s full potential—pair it
with a Truist checking account.

Avoid overdraft fees.

Link your checking and credit accounts to add

overdraft protection.

Earn Loyalty Bonuses.

Get bonus rewards based on deposit level when

redeeming into Truist checking.

Move money easily.

Get cash advances or make payments in seconds.

Learn more

Looking for
something else?

Digital Wallet features

Never fumble for your wallet again.

Learn more

Truist Wealth

Put your net worth to work with tools for

strategic credit and asset management.

Learn more

McGriff Insurance

Insure your home, your car, and your future with a

provider you can trust.

Visit McGriff

Disclosures !

Credit cards are subject to credit approval.

11Visa’s Zero Liability Policy does not apply

to certain commercial card transactions or

any transactions not processed by Visa.
Cardholder must use care in protecting the
card and notify Truist immediately of any
unauthorized use. For specific restrictions,
limitations, and other details, please consult
your Cardholder Agreement.

12For complete details, refer to the Truist

Deals Terms and Conditions . There is no

monthly fee and no charge for enrolling in
Truist Deals. Truist Personal Credit
Cards, Personal and Business Debit Cards
and Money Account cards are eligible for
Truist Deals. The Truist Deals Program is
separate and independent from any Truist
Consumer Credit Card Rewards Program in
which you are enrolled related to your Truist
Consumer Credit Card Account(s). Any cash
back earned through the Truist Deals
Program is not eligible for any deposit bonus
or other incentives that may be available
when you redeem your Truist Consumer
Credit Card Rewards. Deals offered through
the Truist Deals Program are available apart
from any rewards you may earn through any
Truist Consumer Credit Card Rewards
Program and will not accrue in your Truist
Consumer Credit Card Rewards Program
account.

Truist Bank, Member FDIC. © 2021 Truist

Financial Corporation. Truist, the Truist logo
and Truist Purple are service marks of Truist
Financial Corporation.

Truist Bank, Member FDIC and an Equal

Housing Lender

Investment and Insurance Products:

• Are Not FDIC or any other Government
Agency Insured • Are Not Bank Guaranteed •
May Lose Value

All Truist mortgage professionals are

registered on the Nationwide Mortgage
Licensing System & Registry (NMLS), which
promotes uniformity and transparency
throughout the residential real estate
industry. Search the NMLS Registry.

Services provided by the following affiliates

of Truist Financial Corporation: Banking
products and services, including loans and
deposit accounts, are provided by SunTrust
Bank and Branch Banking and Trust
Company, both now Truist Bank, Member
FDIC. Trust and investment management
services are provided by SunTrust Bank and
Branch Banking and Trust Company, both
now Truist Bank, and Truist Delaware Trust
Company. Securities, brokerage accounts
and /or insurance (including annuities) are
offered by Truist Investment Services, Inc.,
and P.J. Robb Variable Corp., which are SEC
registered broker-dealers, members FINRA
SIPC, and a licensed insurance agency where
applicable. Investment advisory services are
offered by Truist Advisory Services, Inc. ,
GFO Advisory Services, LLC, Sterling Capital
Management, LLC, and Precept Advisory
Group, LLC, each SEC registered investment
advisers. Sterling Capital Funds are advised
by Sterling Capital Management, LLC.
Mortgage products and services are offered
through SunTrust Mortgage, a tradename for
SunTrust Bank now Truist Bank. Insurance
products and services are offered through
McGriff Insurance Services, Inc. Life
insurance products are offered through
Truist Life Insurance Services, a division of
Crump Life Insurance Services, Inc., AR
license #100103477. Both McGriff and
Crump are wholly owned subsidiaries of
Truist Insurance Holdings, Inc.

"Truist Advisors" may be officers and/or

associated persons of the following affiliates
of Truist Financial Corporation: Truist Bank,
our commercial bank, which provides
banking, trust and asset management
services; Truist Investment Services, Inc., a
registered broker-dealer, which is a member
of FINRA and SIPC, and a licensed insurance
agency, and which provides securities,
annuities and life insurance products; Truist
Advisory Services, Inc., an SEC registered
investment adviser which provides
Investment Advisory services.

Comments regarding tax implications are

informational only. Truist and its
representatives do not provide tax or legal
advice. You should consult your individual
tax or legal professional before taking any
action that may have tax or legal
consequences.

Truist Wealth, International Wealth, Center

for Family Legacy, Business Owner Specialty
Group, Sports and Entertainment Group, and
Legal and Medical Specialty Groups are
marketing names used by Truist Bank, Truist
Investment Services, Inc., and Truist
Advisory Services, Inc.

Truist Securities is a trademark of Truist

Financial Corporation. Truist Securities is a
trade name for the corporate and investment
banking services of Truist Financial
Corporation and its subsidiaries. All rights
reserved. Securities and strategic advisory
services are provided by Truist Securities,
Inc., member FINRA and SIPC. Loan
syndications are offered by Truist Securities,
Inc. Loans and loan related products are
offered by Truist Bank.

New York City residents: Translation or

other language access services may be
available. When calling our office regarding
collection activity, if you speak a language
other than English and need verbal
translation services, be sure to inform the
representative. A description and translation
of commonly-used debt collection terms is
available in multiple languages at
http://www.nyc.gov/dca.

Limited English Proficiency Support:

Applications, agreements, disclosures, and
other servicing communications provided by
Truist Bank and its subsidiary businesses
will be provided in English. As a result, it will
be necessary for customers to speak, read
and understand English or to have an
appropriate translator assisting them. Truist
offers the following resources for consumers
that have Limited English Proficiency:

Multilingual teammates available at our

Multicultural Banking Centers
Materials for some products and services
are available in Spanish, Korean,
Vietnamese, Mandarin, and other
languages spoken in the communities we
serve.
Phone assistance in Spanish at 844-
4TRUIST (844-487-8478), option 9. For
assistance in other languages please
speak to a representative directly.

Thank you for choosing Truist. We welcome

the opportunity to serve your financial
needs. While SunTrust and BB&T have
merged to become Truist, both institutions
will continue to offer independent product
lines for a period of time. This may include
differing underwriting guidelines, product
features, terms, fees, and pricing.

Our friendly teammates at your local

branches will be happy to walk you through
their products. You can also learn more by
contacting them at 844-4TRUIST (844-487-
8478) or Truist.com.

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