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Truist Business Credit Card
0% Intro APR for 12 Months
- Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 27.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
- Enjoy 0% intro APR for 12 months on purchases
- No annual fee
- Add authorized cardholders at no additional charge
- Digital account management with Truist Online Banking and Truist eZBusiness
- Intuit Quickbooks® integration
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 28.15% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- Over Limit Penalty Fee: Up to $39
+ 0.4% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 3.2% cash back
+ 1.2% cash back
+ 0.8% cash back
Truist Business Travel Rewards Credit Card
Earn 20,000 Bonus Miles
- Regular Purchase APR 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 27.99% variable based on the Prime Rate
- Annual Fee $0 for the first year. After that, $49
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- Earn miles on all eligible purchases
- Earn unlimited double miles on airfare, hotels, and car rentals
- No foreign transaction fees
- Receive up to $85 in statement credits per organization every 4 years towards TSA Pre-Check or Global Entry application fee reimbursement
- Annual fee waived on the first year
- Regular Purchase APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 28.15% variable based on the Prime Rate
- Annual Fee: $0 for the first year. After that, $49
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- Over Limit Penalty Fee: Up to $39
+ 3.2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 1.2% cash back
+ 3.2% cash back
Truist Business Cash Rewards Credit Card
Earn Up to 3% Cash Back
- Regular Purchase APR 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 27.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 9 months from account opening date
- Processing Network Visa
- Enjoy 0% intro APR for 9 months on purchases
- Earn 3% cash back on gas purchases, 2% at restaurants and supply stores (up to $2,000 in combined spend in 2% and 3% categories each month), and 1% back on all other eligible purchases
- Get up to 50% Loyalty Cash Bonus based on your Truist business deposit relationship when cash rewards are redeemed into a Truist business deposit account
- No annual fee
- Add authorized cardholders at no additional charge
- Intro Purchase APR: 0% for 9 months from account opening date
- Regular Purchase APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 28.15% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- Over Limit Penalty Fee: Up to $39
+ 0.8% cash back
+ 1.2% cash back
+ 3.2% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 2.4% cash back
+ 0.8% cash back
Truist Enjoy Cash Secured Credit Card
Build Your Credit & Earn Cash Back
- Regular Purchase APR 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee $19
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Visa
- Earn up to 3% cash back on gas, 2% on utilities and groceries (with a combined $1,000 monthly cap), and 1% back on all other eligible purchases
- Unlimited cash back rewards
- Monthly payment history will be reported to three major credit bureaus
- Up to 50% Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account
- Low annual fee
- Regular Purchase APR: 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $19
- Late Payment Penalty Fee: Up to $40
- Minimum Deposit Required: See Terms
+ 0.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 3.2% cash back
Truist Enjoy Beyond Credit Card
Earn 30,000 Bonus Points
- Regular Purchase APR 16.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee $195
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- Earn 3X points per $1 on travel purchases, 2X on dining, and 1X on all other eligible purchases
- Receive up to $100 annual travel experience statement credit for items such as ground transportation, streaming services, and ticket agencies
- Get up to a $100 statement credit for TSA Pre-Check® or Global Entry® – awarded once every four years
- Unlimited rewards earning
- Contactless payments and mobile wallets for faster checkout
- Regular Purchase APR: 16.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $195
- Late Payment Penalty Fee: Up to $40
+ 3.2% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
Truist Future Credit Card
Save on Interest for Big Purchases
- Regular Purchase APR 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network Visa
- Features the lowest APR of Truist's card offerings
- No annual fee
- Enjoy 15 months of 0% APR on purchases and balance transfers
- Contactless payments and mobile wallets for faster checkout
- Customizable card controls for extra security
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.4% cash back
+ 1.2% cash back
Truist Enjoy Travel Credit Card
Earn 20,000 Bonus Miles
- Regular Purchase APR 16.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- Earn 2X miles on airfare, hotels, and car rentals
- Up to 50% Loyalty Travel Bonus based on your Truist direct relationship when you redeem your rewards for travel through the rewards program
- Redeem miles for cash back, gift cards, hotel stays, airline tickets, and merchandise
- No annual fee
- Contactless payments and mobile wallets for faster checkout
- Regular Purchase APR: 16.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 3.2% cash back
+ 0.4% cash back
+ 1.2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
Truist Enjoy Cash Credit Card
Earn Unlimited Rewards
- Regular Purchase APR 16.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
- Option 1: Earn 3% cash back on gas, 2% back on groceries and utilities (up to combined $1,000 monthly spend cap), and 1% cash back on all other eligible purchases
- Option 2: Earn 1.5% cash back on all eligible purchases
- Up to 50% Loyalty Cash Back Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account
- No annual fee
- Contactless payments and mobile wallets for faster checkout
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 16.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 3.2% cash back
+ 0.4% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
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About Truist
Truist, also known as Truist Financial Corporation, is a North Carolina-based bank and holding company that formed through the merger of two other banks: BB&T (Branch Banking and Trust Company) and SunTrust. BB&T and SunTrust joined forces in late 2019 to form Truist Bank. Together, the brands operate over 2,000 branches across 15 U.S. states.
History of SunTrust
SunTrust is an American bank with its headquarters in Atlanta, Georgia. The bank traces its roots back to 1891 and the Commercial Travelers’ Savings Bank of Atlanta. In 1973, Trust Company of Georgia (which was the then name of Commercial Travelers’ Savings Bank of Atlanta) merged with First National Bank of Orlando to become SunBanks. In 1995, after a series of mergers with banks in Florida, the name SunTrust was introduced.
History of BB&T
BB&T dates to 1887 and Branch and Company, Bankers. The bank, based in North Carolina, quickly grew, and by 1923 ha more than $4 million in deposits. BB&T continued to enjoy considerable growth throughout the 20th century, with more than 2,500 branches by 2010. At the time of the merger with SunTrust in 2019, BB&T operated more than 2,700 branches across the southeastern United States.
Truist Locations
Truist Bank operates roughly 4,000 branches between BB&T and SunTrust Bank. These branches and ATMs are mostly situated in the southeastern United States, with a focus on the following states:
- Alabama
- Arkansas
- Florida
- Georgia
- Maryland
- Mississippi
- North Carolina
- South Carolina
- Tennessee
- Virginia
- Washington, D.C.
For more information on Truist branch and ATM locations, please visit the bank’s dedicated locations page.
Truist Credit Cards
Truist issues several credit cards for business and personal use. The cards, all Visa products feature the following protections and security features:
- Zero Fraud Liability:Cardholders pay nothing if their card is subject to unauthorized use or theft.
- Visa Emergency Card Services:Emergency assistance nearly anywhere in the world, 24/7. Services include lost card reporting and replacement, emergency cash disbursement, and more.
- ID Theft Protection:Complimentary credit report monitoring that alerts cardholders to any changes or fraud concerns.
FAQs About Truist
Here are answers to some frequently asked questions about Truist Bank:
Yes. While some branches still make use of the SunTrust name, the parent company is now Truist.
Yes. While some branches still make use of the BB&T name, the parent company is now Truist.
According to reports, Truist uses either TransUnion, Equifax, or both, for checking an applicant’s credit history.
The Truist customer service team can be reached at 1-800-476-4228
- The ACH routing number for SunTrust is 061000104, while BB&T’s routing number is 053101121.
Find the Best Card for You
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