No-fee cash back on gas, EV charging, utilities and groceries, with 12 months of 0%.
Rates, fees and offers
- Regular APR
- 18.74%–27.74% variable
- Annual fee
- $0
- Promo offers
- 0% intro APR for 12 months on purchases, and on balance transfers made in the first 90 days.
- Balance transfer fee
- 3% of each transfer
- Rewards
- 3% cash back on gas and EV charging and 2% on utilities and groceries (up to a quarterly limit); 1% everything else. Or choose a flat 1.5% version.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Truist clients with qualifying balances can earn bonus cash back.
Paying and contacting Truist
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Truist cards → · Search all cards
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