
Truist Future Credit Card
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Purchase APR (Variable APR) |
13.49% - 22.49% (Verified 08/18/2022) |
Balance Transfer APR (Variable APR) |
13.49% - 22.49% (Verified 08/18/2022) |
Credit Score Range | Starting at 750 |
Annual Fee | $0 |
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 |
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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.
Does Truist Future Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 15 months |
Balance Transfer APR | 13.49% - 22.49% |
Balance Transfer Fee Minimum | $10 |
Balance Transfer Fee % | 3% |
Does Truist Future Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Truist Future Credit Card?
The following fees apply:
- There is no overlimit fee
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.
Does Truist Future Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Truist Future Credit Card?
The Truist Future Credit Card customer service number is (336) 733-3300.
What is the support contact email for Truist Future Credit Card?
The support contact email for Truist Future Credit Card is ClientResolution@Truist.com.
What is the Truist Future Credit Card login page?
You can access the Truist Future Credit Card login page here.
How do people rate the customer service and user experience of Truist Future Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
110 S. Stratford Rd.
Winston Salem, NC 27104 USA - (336) 733-3300
- Visit Site
- Email Support
Other Services by BB&T
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | 4% |
Minimum Cash Advance Fee ($) | $10 |
Foreign Currency Transaction Fee | 0% |
No Annual Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $0 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | $0 |
Late Fee Amount | Up to $40 |
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