The Truist Bank is a personal credit card from Truist Bank. Application typically pulls a hard report from Experian. The annual fee is No annual fee. 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: 20,000 bonus miles after you spend $1,500 on purchases in the first 90 days after account opening. Rewards: 2 miles per $1 on airfare, car rentals, and hotels; 1 mile per $1 on other eligible purchases; 10% to 50% Loyalty Travel Bonus on travel redemptions; statement credit of up to $85 every four years for a Global Entry or TSA PreCheck application fee. This product reports activity to your personal credit report.