SunTrust Bank, Now Truist, Review – Forbes AdvisorTruist Bank -- a amalgamation of two banks -- SunTrust Bank and BB&T -provides a variety of credit card options that include cash-back credit card, travel card and secured options:
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1. They offer lucrative rewards for popular spending
Apart from other than the Future credit card that doesn't earn reward points The Truist cards can earn cash back points, miles, or miles for spending in popular categories.For example for instance, the Enjoy Cash credit card as well as the Enjoy Cash Secured credit card both earn 3% back (up to a maximum amount (details below) for gasoline purchases and other gas purchases, which is an attractive rate for this type of.
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This Enjoy Travel credit card in particular stands out because of its 2x mile earn rate as well as the fact that it provides an account credit of $85 to pay for TSA PreCheck and Global Entry fees every four years, and all with a zero annual cost. The other cards with Global Entry or TSA PreCheck credit generally have annual charges.
In the same way, it is also worth noting that the Enjoy Beyond credit card's 3x return on investment for flights as well as car rentals and hotels is comparable to what other general travel cards available on the market provide. It also offers an annual $100 credit on your statement towards TSA PreCheck and Global Entry fees each four years and the annual $100 statement credit for streaming and ground transportation services. In this instance the card's $195 price costs are comparable to annual fees charged by many of the top travel cards However, it does not have several of the same top-quality advantages.
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This Enjoy Travel credit card in particular stands out because of its 2x mile earn rate as well as the fact that it provides an account credit of $85 to pay for TSA PreCheck and Global Entry fees every four years, and all with a zero annual cost. The other cards with Global Entry or TSA PreCheck credit generally have annual charges.
In the same way, it is also worth noting that the Enjoy Beyond credit card's 3x return on investment for flights as well as car rentals and hotels is comparable to what other general travel cards available on the market provide. It also offers an annual $100 credit on your statement towards TSA PreCheck and Global Entry fees each four years and the annual $100 statement credit for streaming and ground transportation services. In this instance the card's $195 price costs are comparable to annual fees charged by many of the top travel cards However, it does not have several of the same top-quality advantages.
2. Some rare features stand out
- Uncommon bonus category It is true that both the Enjoy Cash credit card as well as the Enjoy Cash Secured credit card offer cash back on utilities this is a scarce but valuable category that not all other credit cards offer.
- Flexible rewards: What's more unusual is the fact it is the case that Enjoy Cash credit card gives the option of choosing which reward structure you would like that is A flat 1.5 percent or a tiered reward system. Although you can find cards that permit cardholders to select their own reward categories however none allow users to modify the entire structure of rewards as it does with the Enjoy Cash credit card. The decision here is down to how you spend your money. There's a limit of what you'll receive when you use the tiered rewards feature of the card ($1,000 each month) but the 1.5 percent cash back rate is uncapped. If your spending habits vary widely then you're better off using a fixed rate that pays you regardless of what. If you are a regular consumer of fuel, utilities or food it could be a good idea to go with the reward structure with tiered levels.
- Secured card comes with a remarkable reward rates: Very few secure cards provide rewards, and those which do have low, ongoing flat rates. However, this Enjoy Cash Secured Credit Card offers impressive 3percent and 2% cash back rates (up to a maximum) for the most common categories of spending. The card also provides reports to the three bureaus of credit, making it vital for aiding cardholders in building their credit. But, it charges an annual fee, as in addition to an initial minimum cash-infusion of $400 into the Truist Secured Card Savings Account, that is considerably greater than what many secured cards demand.
3. Redemption options have caveats
If the Truist card you are using earns points, miles or cash back points, the rewards can be used to purchase a statement credit, a check, or the basis for a transfer into an eligible Truist account. Additionally, rewards may be exchanged to purchase gift cards, merchandise as well as travel reservations made via Truist. There are however a few rules that render the redemption process a bit rigid:
- There are minimum requirements for redemption for the cards that pay cash rewards -- such as the Enjoy Cash credit card as well as the Enjoy Cash Secured credit cards, you'll need at least at least $25 before you can use points for an account credit, cheque or deposit. For credit cards like the Enjoy travel credit card as well as the Enjoy Beyond credit card, you'll require at least 2500 miles or points depending on the card, to redeem them for an account credit, check or deposit. (Points or miles will be worth 1 cent each when used to purchase statement credits, checks or deposit, however redemptions' value can vary when you use non-cash redemption methods.)
- The clock is ticking All rewards expire five years after earning the reward, regardless of the card you're using.
4. It pays to have a Truist account
If you cash out your rewards to deposit them into a qualified Truist account You'll earn the following rewards:
- You will receive a 10% cash increase in cash reward rewards converted into the Truist personal checking account or savings account.
- You can get a 25% reward increase when you have an account with a Truist Dimension, Signature Advantage or Checking account . You can redeem cash rewards for payment into the Truist personal savings, checking and money market accounts with an amount between $25,000 up to $99,999.99.
- You can get a 50% reward boost when you own Truist Dimension and Signature Advantage checking account. Redeem cash rewards to transfer into a Truist personal savings, checking and money market accounts with the equivalent of at least $100,000.