Truist Future Credit Card Review — 0% APR Introductory Promotion

I’ve managed to get this far with out ever carrying an interest-bearing bank card steadiness. However I’ve taken benefit of extra 0% APR introductory promotions than I can depend although, and I understand how to identify an amazing alternative after I see one.

The Truist Future Credit score Card is such a possibility. Although if I’m being trustworthy, not an earth-shattering one, and one made much less enticing by the cardboard’s different deficiencies. 

Nonetheless: When you’re able to get severe about paying down high-interest bank card balances or have to finance an enormous buy and hope to keep away from curiosity within the course of, the Truist Future card is made for you. Right here’s what you want to find out about it to make an knowledgeable resolution about making use of (or not).

What Is the Truist Future Credit score Card?

The Truist Future Credit score Card is a low APR bank card with a protracted 0% APR buy and steadiness switch promotion stretching 15 months from account opening. It’s designed for individuals who have to switch and pay down high-interest balances from current bank card accounts and people seeking to finance larger purchases whereas minimizing curiosity costs.

The Truist Future card doesn’t have a daily rewards program, so it’s not acceptable for folks searching for a direct return on spending. Nevertheless it additionally has no annual price, which suggests it gained’t value something to maintain in reserve if and when you want to use it.

What Units the Truist Future Credit score Card Aside

The Truist Future Credit score Card isn’t groundbreaking and actually has no distinctive options that really “set it aside.” Its most distinctive attributes relate to its 0% APR promotion and low ongoing APR:

• 0% APR for 15 Months From Account Opening on Eligible Purchases and Steadiness Transfers. The Truist Future card has matching 15-month 0% APR intro promotions for purchases and steadiness transfers. The promotional charge applies to all purchases made inside the first 15 months and to steadiness transfers made inside the first 60 days of account opening (with the 0% APR interval lasting the total 15 months from account opening).
• Low Ongoing APR. The Truist Future card has a comparatively low ongoing APR, although variable and dependent in your creditworthiness. I at all times counsel towards carrying interest-bearing balances until completely needed, however if you happen to should, it is a first rate card to take action with.
• Entry to Truist Offers. Truist Offers is Truist’s in-house purchasing and affiliate rewards portal. It’s not groundbreaking by any means, however actually price trying out if you wish to save on purchases you’d make anyway.

Key Options of the Truist Future Credit score Card

Hold studying for extra particulars on the Truist Future card’s most important options, together with its 0% APR promotion and Truist Offers.

Intro APR Provide

The Truist Future Credit score Card has twin 0% APR intro affords for purchases and steadiness transfers. Each stretch 15 months from account opening, however qualifying steadiness transfers should be made inside the first 60 days.

A 3% steadiness switch price applies to all eligible steadiness transfers. That’s nonetheless a lot lower than the minimal APR you’d pay on a nonpromotional steadiness switch although.

Ongoing APR

This card’s ongoing APR is variable and credit-dependent. See charges and costs for the newest APR data.

Necessary Charges

This card has no annual price or international transaction price. Different charges could apply; see charges and costs.

Different Safety and Fee Options

This card comes with some helpful (if roughly normal) safety and fee options:

• Customizable card controls for enhanced safety
• Zero fraud legal responsibility (backed by Visa)
• Contactless fee performance
• Cellular pockets compatibility with Apple Pay, Google Pay, and Samsung Pay

Truist’s banner under has extra particulars. Word that the “additional rewards” and “star advantages” options aren’t obtainable on the Truist Future card.

Credit score Required

This card requires good to wonderful credit score. It’s not designed for folks with restricted credit score, nor these with impaired and even truthful credit score.

Benefits of the Truist Future Credit score Card

Let’s evaluation the important thing benefits of the Truist Future card.

• Lengthy 0% APR Intro Promotion for Purchases and Steadiness Transfers. That is the Truist Future card’s signature profit and, in my view, the one true promoting level over comparable playing cards.
• Comparatively Low Ongoing APR. When you should carry an interest-bearing bank card steadiness, that is the cardboard to do it with. Hold it in reserve for emergencies.
• No Annual Price. Not notably uncommon, however positively welcome, particularly after the 0% APR intro interval ends. 
• No International Transaction Price. When you journey exterior the U.S. or patronize retailers based mostly abroad, you’ll admire the 0% international transaction price right here.
• Entry to Truist Offers. Truist Offers isn’t a daily rewards program, however it’s the one strategy to earn a direct return on spending with this card. 

Disadvantages of the Truist Future Credit score Card

Take into account these disadvantages earlier than you apply for the Truist Future card.

• No Common Rewards Program. The Truist Future card has no common rewards program. On a regular basis spending gained’t internet you something right here.
• No Spend-Based mostly Welcome Provide. The Truist Future card doesn’t have a spend-based welcome supply both. Some competing 0% APR bank cards supply assertion credit after you clear a predetermined spending threshold in the course of the first 3 or 4 months.
• Few Extra Perks. This card has few value-added advantages to talk of aside from what comes normal with Visa Signature bank cards.

How the Truist Future Credit score Card Stacks Up

Earlier than you apply for the Truist Future Credit score Card, see the way it compares to a different fashionable low APR bank card with a protracted 0% curiosity promotion: the Chase Slate Edge Credit score Card.

Different Options to Take into account

Undecided both Truist Future or Slate Edge is best for you? Take into account these fashionable options as an alternative. Every has a protracted 0% APR intro promotion on purchases, steadiness transfers, or each.