Most secured cards earn nothing, so a secured card paying 3% on gas and EV charging and 2% on groceries and utilities is a genuinely useful option for building credit, and there is no annual fee or foreign transaction fee. Payment history is reported monthly to all three major credit bureaus, which is the point of the card, and Truist depositors can add 10% to 50% to rewards redeemed into an eligible deposit account depending on their combined balances. Two limits matter. The 3% and 2% categories share a combined $1,000 monthly cap before dropping to 1%, and the APR is a flat 26.74% with no intro period, so carrying a balance will cost far more than the rewards return. Use it as a credit builder you pay in full every month, earn what you can on gas and groceries along the way, and plan to graduate to an unsecured card once your file supports it.
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 | 26.74% variable |
Foreign transaction fee | None |