Reviews

Truist Future credit card full review: should you get it?

Discover a credit card with an excellent 0% APR period, low fees and other advantages: Truist Future credit card. See this full review!

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Truist Future credit card: stay with a really low APR after the introductory 0% APR period

Truist Future credit card
Learn all about the Truist Future credit card. Source: Truist

Indeed, the Truist Future credit card allows you to avoid interest or make large purchases without worrying about an APR for a while.

Truist logo

Truist Future credit card: check out how to apply!

Learn how to apply for the Truist Future credit card and have a perfect product to avoid credit card interest and purchases for more than a year: 15 months of 0% APR.

Plus, this card protects you from major fees. See the review below to learn more:

Credit ScoreGood (650 or greater)
Annual Fee$0
Regular APR0% for the first 15 months of use. After that, between 13.49% and 22.49% (variable)
Welcome bonusN/A
RewardsNone

Truist Future credit card: learn more about this financial product

This card is an interesting option for anyone looking for cards with an introductory period of 0% APR. In effect, it’s 15 months without worrying about interest.

In this way, this card can be very useful when you want to make high-value purchases or avoid interest on other cards.

The 0% APR period is also valid for balance transfers made within the first 90 days of using this card. After the first 15 months, you can count on a really low APR.

In fact, this is not possible for most other options on the market. After all, these often “offset” the 0% APR time with high APR rates later on.

This card does not charge an annual fee to complete the service package. A foreign transfer fee is another charge you won’t have around here.

In case of unauthorized purchase, you are protected by the Visa® Zero Liability service. That way, you won’t have to be responsible for strange transactions on your card.

Finally, you have a Visa card, accepted anywhere in the world.

Truist Future credit card features

credit card and notebook/laptop
Learn more about the card’s pros and cons. Source: Pixabay

In fact, this card proves to be a very interesting option for anyone looking for options with an introductory period of 0% APR.

However, to make sure this is your best choice, also check out the “points for improvement” on this card.

What are the benefits? 

  • 0% APR introductory period for purchases and balance transfers;
  • When the introductory APR period ends, you can remain with a low APR (which is not a possibility with other options on the market);
  • No annual fee or foreign transfer fee;
  • No penalty APR.

And what are the drawbacks?

  • Only applicants with at least a good credit score have access to this card;
  • It does not offer any rewards program;
  • No welcome bonuses that generate cash rewards;
  • 3% balance transfer fee.

What credit score do you need to get the Truist Future credit card?

The official website for that product has no minimum credit score recommendation.

However, we recommend that candidates have at least a good score (650 or higher) to increase their chances of passing.

How does the Truist Future credit card application process work?

Learn how to access this card without leaving home in our post below!

Truist logo

Truist Future credit card: check out how to apply!

Learn how to apply for the Truist Future credit card and have a perfect product to avoid credit card interest and purchases for more than a year: 15 months of 0% APR.

About the author  /  José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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