CFPB TCCP survey · December 31, 2025
Truist Bank credit card rates & fees
Truist Bank reported 6 credit card plans to the CFPB. Their median purchase APR is 21.74%, lower than the 23.49% median across all surveyed cards. The lowest starting APR is on the Truist Wealth Credit Card (13.74%). 4 of 6 plans have no annual fee.
Bank Truist Bank financial health scorecard 63 out of 100, Moderate
Plans
| Card | Purchase APR | By credit tier (great / good / poor) | Cash APR | Annual fee | Late fee | Foreign fee | Grace |
|---|---|---|---|---|---|---|---|
| Truist Wealth Credit CardCashback rewards | 13.74% | – / – / – | 16.74% | $450 | $27 | 0.0% | 25 d |
| Truist Future Card | 16.74% – 25.74% | 15.7% / 20.7% / – | 27.74% | $0 | $27 | 0.0% | 25 d |
| Truist Enjoy Beyond Credit CardOther rewards | 18.74% – 27.74% | 18.7% / 21.7% / – | 27.74% | $95 | $27 | 0.0% | 25 d |
| Truist Enjoy Cash Credit CardCashback rewards | 18.74% – 27.74% | 18.7% / 21.7% / – | 27.74% | $0 | $27 | 0.0% | 25 d |
| Truist Enjoy Travel Credit CardTravel-related rewards | 18.74% – 27.74% | 18.7% / 21.7% / – | 27.74% | $0 | $27 | 0.0% | 25 d |
| Truist Enjoy Cash Secured Credit CardsecuredCashback rewards | 26.74% | – / – / – | 27.74% | $0 | $27 | 0.0% | 25 d |
APRs are what the issuer reported for the survey period; your offer depends on your credit. Check the issuer's current terms before applying. "Credit tier" columns are the median APR the issuer reported for consumers with credit scores of 720+, 620–719 and 619 or below.