Most secured cards give you nothing but a place to build history, so a secured card earning 3% on gas and EV charging and 2% on groceries and utilities is unusual, and Truist charges no annual fee to run it. The security deposit starts at $400 and sets your credit limit, and payments report to all three bureaus, which is the part that actually moves your score. Read the limits before you get excited: the bonus rates share one $1,000 monthly cap and drop to 1% past it, there is no intro APR, and the rate is a flat 26.74%, so any balance you carry costs far more than the rewards pay. Truist also publishes no automatic graduation path to an unsecured card, so plan on asking for your deposit back rather than waiting to be upgraded. Best used for a few small recurring charges paid in full every month.
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 |