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 18.74% to 27.74% variable after the intro rate expires (Prime Rate plus 11.99% to 20.99%; Prime 6.75% as of July 1, 2026) after a 0% intro APR on purchases for 12 months after account opening introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: Two options chosen at application and not changeable later: 3% on gas and EV charging, 2% on groceries and utilities (combined $1,000 monthly cap), 1% on all other eligible purchases; or 1.5% on all eligible purchases. 10% to 50% Loyalty Cash Bonus when rewards are redeemed into an eligible Truist deposit account. Cash back: 3% on gas and EV charging, 2% on utilities and groceries, 1% on all other eligible purchases or 1.5% on all eligible purchases. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Great for combining a 0% APR window with flexible cash-back based on your spending habits. Ally Everyday Cash Back Mastercard. BT Fee: 3% of each transfer, minimum $10. Post-intro APR: 19.49% – 28.49% variable