The Truist Future is a personal credit card from Truist Future. Application typically pulls a hard report from Experian. The annual fee is None. The ongoing APR is 16.74% – 25.74% variable APR on purchases and balance transfers after intro rate expires 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. 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