Truist Future Credit Card
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Visa
- Intro purchase APR
- 0% for 15 months from account opening date
At a glance
The Truist Future Visa Credit Card offers 15 months of 0% intro APR on purchases and balance transfers, a competitive APR after that, no foreign transaction fees, and no annual fee.
Our review of the Truist Future Credit Card
If you’re looking for a credit card with a low rate and a 0% intro APR, the Truist Future Visa is worth considering. This card, offered by Truist, provides exceptional everyday value and is perfect for balance transfers or financing major purchases.
Lengthy Introductory APR
One of the standout features of the Truist Future Credit Card is its dual 0% intro APR periods. New cardholders can enjoy 15 months of 0% APR on both purchases and balance transfers (transfers made within the first 90 days of account opening). This extended period is ideal for paying down existing balances through transfers or financing big-ticket items.
While the 15-month zero-interest offer may not be as long as the 21-month offer with the Citi Diamond Preferred Card, the Truist Future Visa shines once the introductory period expires.
Truist’s Lowest Rate Available
With an impressively low APR starting around 11%, the Truist Future Visa Card offers one of the lowest rates in the market. This rate is significantly lower than the national average for low rate credit cards, making the 15-month intro period even more attractive.
Other Card Features
Aside from the low rate and 0% intro APR, the Truist Future Visa Card offers:
- No annual fee
- No foreign transaction fees
- Visa Zero Liability protection
- Customizable card controls for added security
- EMV chip technology and contactless payment options
- Mobile wallet compatibility for faster checkouts
Should You Apply for the Truist Future Credit Card?
While low rate credit cards may not be as flashy as rewards cards, the 0% APR offer can save you a significant amount of money on existing debts. The Truist Future Credit Card is a great choice for those looking for a balance transfer card with a low rate and a lengthy introductory APR period.
In comparison to other similar cards like the Chase Slate Edge, the Truist Future Visa stands out with its competitive rates and valuable features. If you’re in the market for a card that offers credit line increases and benefits like these, the Truist Future Credit Card is definitely worth considering.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Features the lowest APR of Truist's card offerings
- No annual fee
- Enjoy 15 months of 0% APR on purchases and balance transfers
- Contactless payments and mobile wallets for faster checkout
- Customizable card controls for extra security
Who this card may suit
- You have an existing credit card balance you want to pay down
- You're planning a big-ticket purchase
- You have excellent credit and can access the very best interest rates
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 15 months from account opening date |
| Regular Purchase APR | 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 15 months on transfers made within 90 days from account opening date |
| Balance Transfer APR | 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 27.24% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 4% of the amount of each cash advance, whichever is greater |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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Truist Future Credit Card
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