The Truist is a personal credit card from Truist. Application typically pulls a hard report from Equifax. The annual fee is No annual fee. The ongoing APR is 16.74% to 25.74% variable after the intro rate expires (Prime Rate plus 9.99% to 18.99%; Prime 6.75% as of July 1, 2026) after a 0.00% introductory APR for 15 months introductory rate for 15 months. Approval typically requires a credit score of Good (670+) or higher. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Best for extended interest-free purchases or paying off debt with minimal costs. Truist Enjoy Cash Credit Card. BT Fee: 3% of each transfer, minimum $10. Post-intro APR: 17.49% – 26.49% variable