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Truist Bank

Truist Future Card

This credit card is recommended for people with the following credit scores: 620-719 and 720+

State-by-state
Availability
  • To apply, you must live in Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennesse, Texas, Virginia, Washington, West Virginia, Wisconsin, and Wyoming

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Purchase interest rate and fees

16.49% – 25.49%* Purchase APR

*As of . Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score Median purchase APR Comparison to other cards
620-719 22.49%
2 dollar sign symbols
Pay average interest
720+ 18.49%
2 dollar sign symbols
Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

0% for 15 months Introductory APR

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee
None
Minimum finance charge
No minimum interest payment is required to avoid additional fees
Grace period
25 days until interest begins to accrue on purchases
Balance computation method
Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index
The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0 Annual fee
Late fee
$27 for the first late payment and $40 for a late payment within six billing cycles of another late payment
Over-limit fee
None

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Services
  • Access to Free Credit Scores
Card features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Balance transfer interest rate and fees

0%* Balance transfer APR for 15 months
+
3% ($10 minimum) Balance transfer fee

*As of . Advertised balance transfer APRs change over time. Check rates before applying.

After 15 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

27.49%* Cash advance APR
+
4% ($10 minimum) Cash advance fee

*As of . Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.