Truist Bank credit card terms
Top-25 issuer · 6 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Truist Bank reported a surveyed purchase APR of 13.74% – 27.74% (median 21.74%) to the CFPB Terms of Credit Card Plans survey, across 6 products. It is one of the 25 largest U.S. card issuers. Annual fees on surveyed cards: $95 – $450. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Truist Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 13.74% – 27.74% |
| Median purchase APR | 21.74% |
| Rate type | variable |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 27.74% |
| Annual fee | $95 – $450 |
| Late fee (median) | $27 |
| Secured card offered | Yes |
| Products surveyed | 6 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Truist Bank did not report that field in the survey.
Truist Bank purchase APR by credit tier
Median purchase APR Truist Bank reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | — |
| Good credit (620-719) | 21.74% |
| Great credit (720+) | 18.74% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Truist Bank compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Truist Bank's median of 21.74% sits above the 21% national average APR.
Similar issuers (top-25 issuer)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Truist Bank (this issuer) | 13.74% – 27.74% | 21.74% | $95 – $450 |
| Bank Of America | 13.49% – 28.24% | 22.24% | $59 – $550 |
| Citizens Bank | 15.74% – 29.24% | 23.49% | $295 |
| TD Bank | 17.24% – 28.99% | 23.99% | $29 – $89 |
| U.S. Bancorp | 16.49% – 30.49% | 24.49% | — |
| USAA Federal Savings Bank | 10.65% – 27.65% | 24.65% | $95 |
| Regions Bank | 18.49% – 28.49% | 25.49% | — |
Bank Of America · Citizens Bank · TD Bank · U.S. Bancorp · USAA Federal Savings Bank · Regions Bank
Frequently asked questions
What is Truist Bank's credit card APR?
Truist Bank reported a purchase APR of 13.74% – 27.74% to the CFPB Terms of Credit Card Plans survey (median 21.74%), across 6 surveyed products. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Truist Bank charge an annual fee?
Truist Bank's surveyed cards carry an annual fee of $95 – $450. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is Truist Bank a good choice for a low APR?
Truist Bank is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
Keep exploring
Sources & accuracy
Terms reported by Truist Bank (Truist Bank) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29