Bank · FDIC insured
Truist Bank Credit Card Rates
Truist Bank credit cards start at 16.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Truist Bank’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Truist Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Truist Bank
13.99%APR
- Annual fee
- $450
- Up to
- —
Truist Wealth Credit Card
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Annual fee
- None
- Up to
- 18.00% APR
Truist Bank credit card score
61
Credit card score
Higher than 3% of U.S. banks and credit unions
- Purchase APRPurchase APR16.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Truist Bank ranks
By credit card score, in each area where it has branches
- #62 of 69Washington-Arlington-Alexandria, DC-VA-MD-WV metro168
- #33 of 38Atlanta-Sandy Springs-Roswell, GA metro129
- #28 of 38Miami-Fort Lauderdale-West Palm Beach, FL metro117
- #25 of 31Tampa-St. Petersburg-Clearwater, FL metro85
- #21 of 26Charlotte-Concord-Gastonia, NC-SC metro64
- #46 of 51Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro62
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Truist Enjoy Beyond Credit Card
Initial annual fee of $95 charged during first billing cycle, and annually (approximately every 12 months) thereafter. Annual fee is waived if at the time of charge an Account Holder is a Wealth Client (Signature, Reserve, or GenSpring) and has an assigned Truist Wealth advisor.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.99%–27.99% | $95 | Variable APR on purchases based on creditworthiness, determined monthly by adding between 11.99% and 20.99% margin to Prime Rate (7.00% as of September 17, 2026). $95 annual fee. |
| Ongoing | 18.99%–27.99% | $95 | Variable APR on balance transfers based on creditworthiness, determined monthly by adding between 11.99% and 20.99% margin to Prime Rate (7.00% as of September 17, 2026). $95 annual fee. |
| Ongoing | 27.99% | $95 | Variable APR on cash advances determined monthly by adding 20.99% margin to Prime Rate (7.00% as of September 17, 2026). $95 annual fee. |
Sources (1)
- truist.com/open-account/credit-cards · captured Oct 22, 2026
Truist Enjoy Cash Credit Card
No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0.00% introductory APR on purchases for 12 months after account opening. No annual fee. |
| Intro, 12 months | 0.00% | None | 0.00% introductory APR for the first 12 months your account is open for all balances transferred within 90 days of account opening. A 3% fee ($10 minimum) applies to each balance transfer. No annual fee. |
| Ongoing | 18.99%–27.99% | None | Variable APR on purchases based on creditworthiness, determined monthly by adding between 11.99% and 20.99% margin to Prime Rate (7.00% as of September 17, 2026). Applies after the introductory period. No annual fee. |
| Ongoing | 27.99% | None | Variable APR on cash advances determined monthly by adding 20.99% margin to Prime Rate (7.00% as of September 17, 2026). Cash advance fee applies. No annual fee. |
Sources (1)
- truist.com/open-account/credit-cards · captured Oct 22, 2026
Truist Enjoy Cash Secured Credit Card
No annual fee. Security deposit required up to approved credit limit placed in a Secured Savings Account pledged to Truist before the card is issued.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 26.99% | None | Variable APR on purchases determined monthly by adding 19.99% margin to Prime Rate (7.00% as of September 17, 2026). Security deposit required up to approved credit limit. No annual fee. |
| Ongoing | 26.99% | None | Variable APR on balance transfers determined monthly by adding 19.99% margin to Prime Rate (7.00% as of September 17, 2026). Security deposit required up to approved credit limit. Balance transfer fee of 3% ($10 minimum). No annual fee. |
| Ongoing | 27.99% | None | Variable APR on cash advances determined monthly by adding 20.99% margin to Prime Rate (7.00% as of September 17, 2026). Cash advance fee applies. No annual fee. |
Sources (1)
- truist.com/open-account/credit-cards · captured Oct 22, 2026
Truist Enjoy Travel Credit Card
No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.99%–27.99% | None | Variable APR on purchases based on creditworthiness, determined monthly by adding between 11.99% and 20.99% margin to Prime Rate (7.00% as of September 17, 2026). No annual fee. |
| Ongoing | 18.99%–27.99% | None | Variable APR on balance transfers based on creditworthiness, determined monthly by adding between 11.99% and 20.99% margin to Prime Rate (7.00% as of September 17, 2026). No annual fee. |
| Ongoing | 27.99% | None | Variable APR on cash advances determined monthly by adding 20.99% margin to Prime Rate (7.00% as of September 17, 2026). Cash advance fee applies. No annual fee. |
Sources (1)
- truist.com/open-account/credit-cards · captured Oct 22, 2026
Truist Future Credit Card
No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0.00% introductory APR on all purchases for 15 months after account opening. No annual fee. |
| Intro, 15 months | 0.00% | None | 0.00% introductory APR for the first 15 months your account is open for all balances transferred within 90 days of account opening. A 3% fee ($10 minimum) applies. No annual fee. |
| Ongoing | 16.99%–25.99% | None | Variable APR on purchases based on creditworthiness, determined monthly by adding between 9.99% and 18.99% margin to Prime Rate (7.00% as of September 17, 2026). Applies after the introductory period. No annual fee. |
| Ongoing | 27.99% | None | Variable APR on cash advances determined monthly by adding 20.99% margin to Prime Rate (7.00% as of September 17, 2026). Cash advance fee applies. No annual fee. |
Sources (1)
- truist.com/open-account/credit-cards · captured Oct 22, 2026
Truist Wealth Credit Card
Introductory $0 annual fee for the first year, after that $450 assessed annually (approximately every 12 months). Annual fee is waived if at the time of assessment the account holder is a Wealth Client (Signature, Reserve, or GenSpring) and has an assigned Truist Wealth advisor. Minimum credit limit for approved Account Holders is $20,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.99% | $450 | Variable APR for Purchases determined monthly by adding 6.99% margin to Prime Rate (7.00% as of September 17, 2026). Introductory $0 annual fee for the first year, after that $450 (waived for eligible Wealth clients). |
| Ongoing | 13.99% | $450 | Variable APR for Balance Transfers determined monthly by adding 6.99% margin to Prime Rate (7.00% as of September 17, 2026). Balance transfer fee of 3% ($10 minimum). Introductory $0 annual fee for the first year, after that $450 (waived for eligible Wealth clients). |
| Ongoing | 16.99% | $450 | Variable APR for Cash Advances determined monthly by adding 9.99% margin to Prime Rate (7.00% as of September 17, 2026). Cash advance fee of 4% ($10 minimum). Introductory $0 annual fee for the first year, after that $450 (waived for eligible Wealth clients). |
Sources (1)
- truist.com/wealth/solutions/ba…g/credit-card-disclosure · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.