Truity Signature Rewards Credit Card

Truity Signature Rewards Credit Card Review

This is a rewards card issued by Truity Credit Union. If you're wondering whether truity signature rewards credit card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Truity Signature Rewards Credit Card has a variable purchase APR that ranges from 15.24% up to 18.00%.
• No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 660.

Pros & Cons of truity signature rewards credit card

The Good

The Bad

Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 1.99%. No balance transfer fee. No annual fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. Truity Signature Rewards Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus.

truity signature rewards credit card FAQ

Does truity signature rewards credit card have a cash back or rewards program?

truity signature rewards credit card is a rewards card.

truity signature rewards credit card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the truity signature rewards credit card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for truity signature rewards 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.

Truity Signature Rewards Credit Card has a variable purchase APR that ranges from 15.24% up to 18.00%. It also has a variable cash advance APR that ranges from 15.24% up to 18.00%.

What are the fees for truity signature rewards credit card?

The following fees apply:

Truity Signature Rewards Credit Card Fees

Description
Foreign Currency Transaction Fee	0%
No Annual Fee?
Annual Fee	$0
No Interest Grace Period for Late Payment	25 days
Returned Payment Fee	Up to $28
Late Fee Amount	Up to $28

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

Does Truity Signature Rewards Credit Card report your account activity to credit bureaus?

Yes, Truity Signature Rewards Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for truity signature rewards credit card

• Visit the truity signature rewards 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.