Now that BBT & Suntrust have finished their merge to form Truist, I want to make a dedicated post for the credit cards (more to come later) so we can start to provide you with datapoints and other information to help you decide if you should apply for these cards. Keep in mind, Truist cards are only offered in certain states, we will provide you a list below but its the same states that are in the state drop down on the pre-qualification page here.
Keep in mind this data is fresh as of January 2022.
Truist Credit Card Datapoints
- They Pull Equifax if they hard pull at all
- You can lockdown your EQ and it will still work
- Many report no HP at all just soft pull on pre-qual page
- If you get pre-qual for multiple cards, you will get approved for all the cards with the same exact limits
- If you apply for multiple cards at the same time, you will not get additional HPs, if you come back later and pre-qual again you will
- Works the same on the business side
- Is BK friendly, seen multiple accounts of BK7s that were later approved for multiple cards with pre-qual page
- Sates this is open to: AL, DC, FL, GA, IN, KY, MA, NJ, NC, OH, PA, SC, TN, TX, VA, WV
- Card usually shows up 7-10 days
Video: Truist Credit Card Loophole Explained
Truist Consumer Credit Cards
| Credit Card | Signup Bonus | Regular APR | Cashback | Annual Fee | Datapoints | |
|---|---|---|---|---|---|---|
 | Enjoy Cash Credit Card | 0% intro APR on purchases for 12 months after account opening | 13.24% – 22.24% | 3% on gas 2% on utilities, groceries 1% on all other eligible | $0 | |
 | Enjoy Travel Credit Card | 20,000 bonus miles | 13.24% – 22.24% | 2x miles per $1 on airfare, hotels, car rental 1x miles per $1 on all other eligible | $0 | |
 | Future Credit Card | 0% intro APR for 15 months after account opening on purchases6 0% intro APR for 15 months after account opening on balance transfers made in the first 90 days after account opening | 11.24% – 20.24% | $0 | ||
 | Enjoy Beyond Credit Card | 30,000 bonus miles | 13.24% – 22.24% | 3x points per $1 on airfare, hotels, car rentals 2x points per $1 on dining 1x points per $1 on all other eligible | $195 | |
| Enjoy Cash Secured Creditt Card | 19.24% | 3% on gas 2% on utilities, groceries 1% on all other eligible | $19 | $400 min deposit | |
Recent Wallet Monkey Users Who Got Approved
- Approved for 2 cards $4500/700, no HP
- 1 card $6500/720/Tx, no HP
