8/13/2023
They say it is good to have at least one credit card for emergencies and to diversify your credit options. In the United States there are many entities that provide these financial instruments. That is why today we will see how to apply for a Truist Bank credit card and its requirements.
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Credit cards offered by Truist Bank
Before showing you how to apply for a credit card at Truist Bank, we would like to show you its catalog. Since each one has its own particularities, we suggest you compare them to better understand which of them might work for you.
- APR: 18.24%
- Annuity: Ask
- Credit limit: Ask
- APR: 16.24%
- Annuity: Ask
- Credit limit: Ask
- APR: 18.24%
- Annuity: Ask
- Credit limit: Ask
- APR: 24.24%
- Annuity: Ask
- Credit limit: Ask
- APR: 18.24%
- Annuity: Ask
- Credit limit: Ask
There are 5 in total and these are their most relevant features:
Future credit card
This plastic is distinguished by:
- No annuity.
- No rewards.
- 0% introductory APR that lasts 15 months for purchases.
- 0% introductory APR that lasts 15 months for balance transfers during the first 90 days.
Enjoy Cash card
This rewards card comes with:
- No annuity.
- 3% cashback on gas.
- 2% cashback on groceries and utilities ($1000 monthly spending limit).
- 1% cashback on any other category.
- You can also choose 1.5% cash back on any eligible purchase.
- After the account is opened, you have 0% introductory APR for 12 months to purchase.
Enjoy Travel card
If you like to travel, this card offers you:
- No annuity.
- 1x miles for any eligible purchase.
- 2x miles for every dollar spent on tickets, hotels and car rentals.
- 20,000 mile bonus if you spend $1500 within the first 90 days.
- 85 balance credit towards Global Entry or TSA PreCheck fee every 4 years.
Enjoy Beyond card
This summarizes the essentials of this product:
- $195 annuity.
- 1x point per $1 on eligible purchases.
- 2x points per $1 when dining out.
- 3x points per $1 on car rentals, hotels and flights.
- You receive a 30,000 point bonus when you invest $1500 in the first 3 months.
- 100 balance credit for streaming services and ground transportation.
- Balance credit of $100 towards Global Entry or TSA PreCheck application fee once every 4 years.
Enjoy Cash Secured card
This secured credit card includes the following:
- Annuity of $19.
- 400 minimum refundable deposit.
- 1% cashback on eligible purchases.
- 2% cashback on services and food.
- 3% cashback on fuel.
Truist Bank Card Application Requirements
When you choose the product of your choice, you can apply for the credit card in person or on the Truist website. If you apply using the online form, you must have this on hand:
- 2 years of address registration.
- Information about your employment and income.
- Personal contact information (including your SSN).
In addition, the application with a co-applicant must be made at a Truist Bank office or by calling 844-487-8478. In case of a freeze on your credit file (Equifax and TransUnion), you must remove it to have your identity verified.
How to apply for a credit card at Truist Bank?
After finding the plastic you need and clicking the 'Apply now' button on the Truist website, the system will take you to the requirements page. Once there, you must start the process (click Start) to complete the card application.
On the next screen you must indicate if you are a customer of the bank. If you already are, enter your login/password information. If you do not have a relationship with this institution, enter your zip code and click 'Continue'.
This takes you to the personal information form. By federal law, you must provide certain information that helps the bank to verify your identity in order to avoid money laundering and terrorist financing crimes.
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In this first step, you must fill out these fields:
- Suffix (optional)
- E-mail address
- Date of birth (optional)
- Social Security Number
- First and last name
- Middle name (optional)
- Citizenship (if you are a non-resident, you must go to a branch office)
- Phone number (check the box if it is a cell phone)
In addition to the above, you must also provide your current address, employment status, whether you have any additional income, and whether you want to authorize another user.
The final part of this section is to confirm that you have read the E-sign agreement and that the information given is correct.
The last 2 steps are the credit card terms/conditions and the final confirmation. Just follow the instructions and wait for the approval (7-10 business days) after the process is completed.
Español: ¿Cómo aplicar para una tarjeta de crédito de Truist Bank?