The Truist is a personal credit card from Truist. Application typically pulls a hard report from Equifax. The annual fee is $95 (waived for Wealth Clients with an assigned Truist Wealth advisor). The ongoing APR is 18.74% to 27.74% variable (Prime Rate plus 11.99% to 20.99%; Prime 6.75% as of July 1, 2026). Signup bonus: 30,000 bonus points after you spend $1,500 on purchases in first 90 days after account opening. Rewards: 3x points per $1 on airfare, hotels, and car rentals; 2x points per $1 on dining; 1x point per $1 on other eligible purchases; no limit on points earned; up to $100 per calendar year in travel experience statement credits; up to $120 statement credit for a TSA PreCheck or Global Entry application fee once every four years; 10% to 50% Loyalty Cash Bonus on redemptions into an eligible Truist account. This product reports activity to your personal credit report.