Truist Future Credit Card

Truist Future Credit Card Review

This is a credit card issued by BB&T. If you're wondering whether Truist Future Credit Card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• Competitive APRs. Truist Future Credit Card has a variable purchase APR that ranges from 13.49% up to 22.49%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Truist Future Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Very good credit required. Applicants will typically need a credit score of at least 750 to have good approval odds.

Pros & Cons of Truist Future Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. No annual fee. No foreign transaction fee.	You need good credit to qualify. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not report to credit bureaus. Charges a 3% balance transfer fee. Does not include many credit card benefits.

Truist Future Credit Card FAQ

Does Truist Future Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Truist Future Credit Card benefits?

It provides the following benefits:

• Zero fraud liability

What are the relevant APRs for Truist Future Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Truist Future Credit Card has a variable purchase APR that ranges from 13.49% up to 22.49%. The card has a variable balance transfer APR that ranges from 13.49% up to 22.49%. It also has a variable cash advance APR of 24.49% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Truist Future Credit Card?

The following fees apply:

• There is no overlimit fee

Truist Future Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	$0
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

How to apply for Truist Future Credit Card

• Visit the Truist Future Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.