The 3-2-1 structure covers common household spending: 3% back on gas and EV charging, 2% on groceries and utilities, and 1% on everything else, with no annual fee and no foreign transaction fees. It also carries 0% intro APR for 12 months on both purchases and balance transfers, so it can double as a short-term payoff card before the rate moves to 18.74% to 27.74%. The constraint to understand is the cap: the 3% and 2% categories share a combined $1,000 monthly limit, after which everything drops to 1%, so the bonus rates are capped at roughly $360 a year even if you max them perfectly. There is no signup bonus, which makes the Loyalty Cash Bonus the main upside for Truist customers, adding 10% to 50% on rewards redeemed into an eligible Truist deposit account depending on your combined balances. It is a sensible no fee everyday card for a Truist depositor with moderate gas and grocery spend, and unremarkable for anyone else.
Earn rates & credits
| Category | Rate |
|---|---|
Gas $1,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $1,000/mo, then 1% | 3% |
EV Charging $1,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $1,000/mo, then 1% | 3% |
Groceries $1,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $1,000/mo, then 1% | 2% |
Utilities $1,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $1,000/mo, then 1% | 2% |
Everything Else | 1% |
| Benefit | Value |
|---|---|
Loyalty Cash Bonus 10% to 50% bonus on cash rewards redeemed into an eligible Truist deposit account, with the tier set by your combined Truist balances | 10% |
Card details
Regular APR | 18.74%–27.74% variable |
Intro APR on purchases | 0% for 12 months |
Intro APR on balance transfers | 0% for 12 months |
Foreign transaction fee | None |