Travel Rewards Visa® Credit Card
20,000 miles after you spend $1,500 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagetruist.com
“20,000 bonus miles after you spend $1,500 within 90 days of account opening”
- Annual fee
- Issuer's pagetruist.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagetruist.com
“18.74% - 27.74% variable APR on purchases and balance transfers † Truist Enjoy Travel Credit Card Disclosure (opens in a modal)”
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $200 | $0 |
| Typical spender | $200 | $0 |
| Heavy spender | $345 | $145 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 50% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
20,000 miles
After you spend $1,500 on purchases in your first 3 months.
Within 90 days of account opening
How you earn
- 2× milesairfare
- 2× mileshotels
- 2× milescar rentals
Rates and fees
| Annual fee | Issuer's pagetruist.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagetruist.com “18.74% - 27.74% variable APR on purchases and balance transfers † Truist Enjoy Travel Credit Card Disclosure (opens in a modal)” |
| Balance transfer APR | Issuer's pagetruist.com “18.74% - 27.74% variable APR on purchases and balance transfers † Truist Enjoy Travel Credit Card Disclosure (opens in a modal)” |
| Balance transfer fee | Issuer's pagetruist.com “3% of each advance ( $10.00 minimum)” |
| Cash advance APR | Issuer's pagetruist.com “27.74%” |
| Cash advance fee | Issuer's pagetruist.com “4% of each advance or $10.00 minimum on transactions greater than $10” |
| Penalty APR | Issuer's pagetruist.com The source states this figure; we have no exact sentence on file yet. |
| Late payment | Issuer's pagetruist.com “Up to $40” |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | Issuer's pagetruist.com “Your due date is at least 25 days after the close of each billing cycle.” |
Carrying a balance? See how long it takes to pay off
Benefits
- Earn a 10%–50% Loyalty Travel Bonus based on your Truist deposit relationship when redeeming rewards for travel through the rewards program.
- Customizable card controls for added security.
- Contactless payments and mobile wallets.
- Visa Zero Liability protection against unauthorized card use.
Questions
- What is the annual fee?
- No annual fee truist.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 18.74–27.74% APR truist.com, since Sep 29, 2026
- Is there a welcome bonus?
- 20,000 miles after $1,500 in purchases in 3 months. truist.com, since Sep 29, 2026
Other miles cards with no annual fee
- Capital One VentureOne BusinessCapital One · No annual fee+$450 a year
- VentureOne RewardsCapital One · No annual fee+$375 a year
- VentureOne Rewards for Good CreditCapital One · No annual fee+$375 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).