The Truist Credit Card (DCFO) is a personal credit card from Truist Credit Card (DCFO). Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.74% - 27.74% after a 0% intro APR introductory rate for 12 months. Signup bonus: 30,000 bonus points after you spend $1,500 on purchases in first 90 days after account opening. Rewards: 3% cash back on gas and EV charging, 2% on utilities and groceries (up to the $1,000 monthly spend cap), 1% on all other eligible purchases. Cash back: 3% - 1.5%. This product reports activity to your personal credit report. Pre-qualification available (soft pull). Post-intro APR: Varies (not disclosed on prequal page)