If you consistently spend on utilities, gas or groceries, it might make sense to opt for the tiered rewards structure. after you spend $1,500 within 90 days of account opening, variable APR on purchases and balance transfers7, Card agreement (PDF) @CLoop 03/23/23. Her writing has been featured in MarketWatch, Yahoo Finance, Realtor.com, New York Post, and Nasdaq, among others. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. ET, Monday through Friday for assistance by phone. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Some cards charge such fees typically 3% when you use your card internationally, which can add up when youre making frequent purchases from non-U.S. merchants. I accepted the Future CC for the 15 mos 0 intro and was instantly approved for $4500. Component ID : "accordionGridLayout-1673809679", www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/, Limit the use of my sensitive personal information, Are Not FDIC or any other Government Agency Insured, Multilingual teammates available at our Multicultural Banking Centers. Any cash back earned through the Truist Deals Program is not eligible for any deposit bonus or other incentives that may be available when you redeem your Truist Consumer Credit Card Rewards. If you have a Truist One Checking account, you'll get: 50% bonus for eligible balances of $100,000 or greater. We take your comments very seriously as they really help us to improve the site. It will NOT be published. BB&T Spectrum Cash Rewards credit card: Best feature: Cash back on everyday purchases. Deposit products are offered by Truist Bank. There are different Truist credit cards and each comes with a different list of rewards. https://creditcard.digitalcommerce.truist.com/product/dcfo?fbclid=IwAR0ua5fs_z6Q_qvWlz3tMSwgEGdc50M1 1.I got my first prequal[SOFT INQUIRY/EQUIFAX] offer in October from BB&T last year 2021..$9000 "The Travel Card", 2.I got the second card [NO SOFT/OR HARD INQUIRY] offer from Truist,December 30th,2021$6500 "The Future Card", 3.I got the third card [NO SOFT/OR HARD INQUIRY] offer from Truist,Jan 6th,2022$9000"The Cash Rewards Card", 4.I got the fourth card [NO SOFT/OR HARD INQUIRY] offer from Truist,Jan 6th,2022.$9000"The Travel Card", 1.Had an intital card through BB&T from Oct,2021, 2.Had SI, over $150,000 and other income $40,000, 4.Never opened a checking or any other product, 5.Original Equifax Fico was about or near 790/FICO 8,crap load of inquires and new accounts, 6. Funto Omojola is an auto loans writer at NerdWallet. Are Not FDIC or any other Government Agency Insured, Multilingual teammates available at our Multicultural Banking Centers. Make deposits, move money, and do so much more with digital banking. 2% at restaurants and office supply stores, up to $2,000 in combined spend in 2% and 3% categories per month 2. Rewards can also be redeemed for gift cards, merchandise and travel booked through Truist. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Truist Bank, Member FDIC. 30% bonus for eligible balances between $25,000 and $49,999.99. $0 1. Truist Bank, Member FDIC. Insurance products and services are offered through McGriff Insurance Services, LLC. Heads up! Editorial and user-generated content is not provided, reviewed or endorsed by any company. Check on the agreement box and press the Continue tab to complete the process. Cardholder must use care in protecting the card and notify Truist immediately of any unauthorized use. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. Earn unlimited points3x on travel purchases, 2x on dining, and 1x on all other eligible purchases. Truist. Earn unlimited double miles on airfare, hotels, and car rentals. Truist Credit card Application requirements, Neiman Marcus Credit Card Application Online [2023]. Pre-qualified offers are not binding. For assistance in other languages please speak to a representative directly. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries. on purchases and balance transfers7. Like the Chase cards above, the Capital One Venture X Rewards Credit Card provides primary coverage for your next car rental. Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account. Robb Variable, LLC., which are SEC registered broker-dealers, members FINRASIPCand a licensed insurance agency where applicable. All financial products, shopping products and services are presented without warranty. This answer was first published on 08/21/22. From the BB&T, we offer a prequalification approval which have the common if you don't bad credit rating. "Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc. Truist Securities is a trademark of Truist Financial Corporation. And unlike online pre-approvals that may . Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Truist offers the following resources for consumers that have Limited English Proficiency: Translation or other language access services may be available. Securities and strategic advisory services are provided by Truist Securities, Inc., memberFINRAandSIPC. Thanks for the clarity. Compared . Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, LLC. Enrollment is required. Search the NMLS Registry. This is what Wiki says, I know BB&T is no longer so its a merger, and now the new name is Truist. 6Visas Zero Liability Policy does not apply to certain commercial card transactions or any transactions not processed by Visa. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Once the process is complete, it will become the same. US Bank Preapproval (Approval Odds) I've been poking around the preapproval sites and the only pre-approved offer i cant across was from US Bank. Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. 0% APR for 15 months 2.Had SI, over $150,000 and other income $40,000. when you have a Truist Dimension or Signature Advantage Checking account and redeem cash rewards as a deposit into a Truist personal checking, savings or money market account containing a balance between $25,000 and $99,999.99. Sterling Capital Funds are advised by Sterling Capital Management, LLC. They are. Are Not FDIC or any other Government Agency Insured, Multilingual teammates available at our Multicultural Banking Centers. After reading on FICO Forums, some people have reported that they got approved with the pre-qualification.. some even accept up to 3 credit cards at once (I personally don't think this is smart, but it has happened). A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. It has an incredibly long low-interest period but no 0% period. Receive up to $100 annual travel experience statement credit for items such as ground transport, streaming services, and ticket agencies. Freedom to choose between credit cards can also make things better for the customer as they dont have to go for one credit card even if it does not fit all their needs. One card that . From what I have read, these never turn into hard pulls! ), 1. Whether the Truist card in question earns cash back, miles or points, rewards can be redeemed for a statement credit, check or as a deposit into an eligible Truist account. TAMU Scholarship Application Requirements, Eligibility Guide. Youre on the clock: All rewards will expire five years after youve earned them, regardless of which card you have. You may want to hire a professional before making any decision. Level up to that VIP feeling. ET, Monday through Friday for assistance by phone. Those who have either a Truist Dimension Checking account or a Signature Advantage Check account will get: And those with a Truist One Checking account will get: This card has a $78 statement credit for TSA PreCheck or $100 statement credit for Global Entry once every 4 years. Contactless payments and mobile wallets for faster checkout. Earn unlimited rewards. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); YMCA Scholarship Application 2023 [Step by Step Guide]. Terms apply to offers below. You choose the rewards type when you apply, you just cant change it later. But in other cases, capped rewards and an inflexible redemption process make them lackluster compared with other options on the market.