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  Truist Future Credit Card
Truist Future Credit Card Unaffiliated

Truist Future Credit Card

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Highlights
Purchase APR  (Variable APR) 13.49% - 22.49%
Balance Transfer APR  (Variable APR) 13.49% - 22.49%
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. This review will provide you with with all the details you need to make a good choice.

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.

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.

Truist Future Credit Card Balance Transfers
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
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.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • 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

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
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 4%
Minimum Cash Advance Fee ($) $10
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 750 -
Credit Card Benefits
  • Fraud Liability
Cash Advance APR (Variable APR) 24.49%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 13.49% - 22.49%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 13.49% - 22.49%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Low Interest
Card Network Visa

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