There are many different types of credit cards on the market, so it can be tricky to decide which one is right for you. If you’re looking for a card that offers a broad range of benefits and features, the truist credit card may be suitable. This card comes with various perks, including zero foreign transaction fees and no annual fee. Plus, you can use it to earn rewards on your everyday purchases. So if you’re considering applying for a truist credit card, here are some things you need to know.
If you’re looking for a new credit card, the Truist credit card might be a good option for you. This card offers a variety of benefits, including cashback rewards, no annual fee, and a low-interest rate. Plus, you’ll get access to your FICO® score for free. Here’s everything you need to know about the Truist credit card before applying.
Benefits Of The Truist Credit Card
The Truist credit card offers several valuable benefits that can save you money and help you manage your finances.
Cash Back Rewards: You’ll earn 1% cashback on all purchases, which can add up over time if you use your card regularly. There is no limit to the amount of cashback you can earn, so you can keep making as you spend.
No Annual Fee: This card has no annual fee, which means you can keep more hard-earned money in your pocket.
Low-Interest Rate: The Truist credit card offers a low-interest rate on all purchases and balance transfers. This can help you save money on interest charges if you carry a balance on your card from month to month.
FICO® Score Access: You’ll get free access to your FICO® score with this card. This can help track your credit score over time and see how your financial habits impact your credit score.
These are just some of the benefits that the Truist credit card offers. Before you apply, explore all of the features and benefits to make sure this card is right for you.
How To Apply For Truist Credit Card
If you’re looking to apply for a truist credit card, the process is simple. Just follow these steps, and you’ll be on your way to enjoying the benefits of owning a truist credit card.
1. Gather your information. To apply for a truist credit card, you’ll need some basic information handy. This includes your name, address, Social Security number, and date of birth.
2. Go to the truist website. Once you have all of your information gathered, you can begin the application process by going to the truist website.
3. Find the right card for you. There are various truist credit cards available, so it’s essential to find the one that best suits your needs.
4. Fill out the application. Once you’ve found the right card, fill out the online application. Be sure to include all required information, such as your name, address, Social Security number, and date of birth.
5. Submit your application. After you’ve completed the online application, submit it for review. You should receive a decision on your application within a few days.
Truist business credit card
The Truist business credit card is an excellent option for businesses. Whether you’re a small business owner or a large corporation, the Truist business credit card can help you save money on your everyday expenses. With various benefits and perks, the Truist business credit card is a great way to save money on your business expenses.
One of the best things about the Truist business credit card is that it offers a 0% intro APR on purchases and balance transfers for the first 12 months. You can save money on interest charges when you use your card to make purchases or transfer balances from other cards. After the intro period ends, the APR will be based on your creditworthiness, so it’s essential to keep your credit score in good shape to avoid paying high-interest rates.
The Truist business credit card also offers a rewards program that allows you to earn points for every purchase you make. You can then redeem these points for cash back, gift cards, or travel expenses. The more you spend, the more points you’ll earn, so it’s a great way to save money on your business expenses.
Truist credit card pre-approval Process
If you’re looking to get a Truist credit card, one of the first steps is to get pre-approved. This means that you’ll have a good idea of what kind of credit limit and terms you’ll be able to qualify for. Here’s what you need to know about getting Truist credit card pre-approval.
The first thing you’ll need to gather some basic information about yourself. This includes your name, address, phone number, and Social Security number. You’ll also need to provide financial information, such as your annual income and debts. Once this information is gathered, you can fill out an online application form.
Once you’ve submitted your application, it will be reviewed by a decision-maker. This person will look at your credit history and financial situation to determine if you’re a good candidate for a Truist credit card. If you are, you’ll be given a pre-approval letter. This means that you’re almost guaranteed to get approved for the credit card.
If you’re not immediately approved, don’t worry. There are still several things you can do to improve your chances of getting approved in the future. You can make sure that you keep your balances low on all of your other credit cards. This will show potential lenders that you’re responsible for your money and that you’re capable of repaying your debts. You should also make sure to make all of your payments on time. Doing so will improve your credit score, which will make it more likely that you’ll be approved for a Truist credit card in the future.
What is a truist secured credit card?
A secured credit card is a type of credit card that requires you to put down a security deposit to open an account and receive a credit limit. This deposit acts as collateral for the credit card issuer, reducing the risk of offering credit to someone with no or poor credit history.
A secured credit card can be sound if you’re looking to build or rebuild your credit.
Truist credit card rewards
There are a few different ways to earn rewards with the truist credit card. You can earn rewards by making purchases, using your card for everyday expenses, or even transferring balances from other cards.
You can also earn rewards by signing up for new services or products or taking advantage of special offers. And, of course, you’ll always earn points when you use your card to pay your bill.
The best way to maximize your rewards is to use your card for your everyday expenses and pay your balance in full each month. You’ll never have to worry about losing points or paying interest on your credit.
How to Truist credit card login
If you’re a Truist credit cardholder, you can log in to your account online to access your account information, make payments, etc. Here’s how to log in to your account:
1. Go to the Truist website.
2. Click on the “Credit Cards” link at the top of the page.
3. Under the “Login” heading, click on the “Truist Credit Card Login” link.
4. Enter your User ID and Password in the fields provided.
5. Click on the “Login” button.
If you have any trouble logging in to your account, don’t hesitate to contact Customer Service for assistance.
Truist credit card customer service
The customer service number for Truist credit cards is 844-487-8478.
The customer service hours are Monday-Friday, 8:00 am-9:00 pm EST, and Saturday, 9:00 am-5:00 pm EST.
When you call the customer service number, you will be asked to enter your 16-digit credit card number. You will then be able to choose from a menu of options, including speaking to a customer service representative.
If you need help with your account, billing, payments, or anything else related to your Truist credit card, customer service can assist you. They can also help if you have questions about using your card or having trouble making a purchase.
If you’re having trouble using your credit card online, you can also contact customer service for help. They can troubleshoot any problems you’re having and help you get started with online shopping.
Truist offers a variety of credit cards, so if you’re not sure which one is right for you, customer service can help you choose the best card for your needs. They can also provide information about each card’s different features and benefits.
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Frequently Asked Question
What kind of card is a Truist card?
A Truist card is a type of credit or debit card issued by the bank Truist. This card can be used for making purchases, transferring money, and withdrawing cash. There are many different Truist cards, each with its own set of features and benefits. Some of the most popular Truist cards include the following:
Truist Visa Platinum Card: This card offers a 0% introductory APR on purchases and balance transfers for the first 12 months. After that, the APR will vary based on your credit score. This card also comes with no annual fee, making it an excellent option for those who want to avoid paying fees.
Truist Visa Signature Card: This card offers a variety of benefits, including travel rewards, cashback, and a 0% introductory APR on purchases and balance transfers for the first 12 months. After that, the APR will vary based on your credit score. There is an annual fee of $95 for this card.
Truist Mastercard: This card offers a variety of benefits, including cash back, travel rewards, and a 0% introductory APR on purchases and balance transfers for the first 12 months. After that, the APR will vary based on your credit score. There is an annual fee of $95 for this card.
Truist Visa Business Card: This card is designed for businesses and offers a variety of benefits, including cashback, reward points, and a 0% introductory APR on purchases and balance transfers for the first 12 months. After that, the APR will vary based on your credit score. There is an annual fee of $95 for this card.
What credit score is needed for a Truist credit card?
If you’re wondering what credit score is needed for a Truist credit card, the answer may surprise you. While Truist does not disclose a minimum credit score requirement, our research shows that most successful applicants have a FICO® Score* of 660 or higher.
While you may still be approved for a Truist credit card with a lower score, your chances of approval are much higher if you have a score in this range. So if you’re hoping to get approved for a Truist credit card, it’s worth working on raising your credit score before you apply.
How hard is it to get a SunTrust credit card?
Getting a SunTrust credit card is not as difficult as you may think. If you have good credit, you should be able to qualify for a SunTrust credit card with ease. However, if your credit is not as good, you may still be able to get a SunTrust credit card by applying for a secured credit card. A secured credit card requires a deposit, which will serve as your line of credit. So, if you are looking to get a SunTrust credit card, there are options available to you regardless of your credit history.
Is SunTrust the same as Truist?
Yes, SunTrust and Truist are the same banks. SunTrust merged with BB&T in December 2019 to form Truist. Both SunTrust and BB&T customers were automatically transitioned to Truist accounts.
If you have a SunTrust account, it is now a Truist account. Your account number, login credentials, and other details have not changed. You can continue using your SunTrust debit card, credit card, checks, and other banking products.
The only difference is that your bank statements will now come from Truist instead of SunTrust. And if you visit a branch or ATM, you’ll see the new Truist branding. Other than that, it’s business as usual for SunTrust customers.
My name is Card-Topedia, and I’m the author of Cardtopedia.com, a blog about credit cards and banking. I’ve been passionate about fintech since graduating from university with an honours degree in finance. I currently live in London but have experience living and working abroad in several countries including Germany and Australia. With my financial background and personal experience, I’m passionate about helping people make informed decisions when it comes to credit cards and banking products. Through Cardtopedia, I provide unbiased reviews, tips and advice on how to maximize rewards while minimizing fees. My goal is to help readers simplify their finances so they can focus on what matters most – achieving financial freedom!
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