topic Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think? in Credit Cards

Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

Rudy1 — Sun, 10 Oct 2021 18:39:04 GMT

Yesterday BB&T's website went down as they began the process of transferring accounts to the new Truist system. It is now Sunday and the website is back up. As with this merger Truist has replaced all cards BB&T offered. You can scroll down to you card if you want to see what's changed.

The BB&T Spectrum Cash Rewards has been replaced by the Enjoy Cash credit card it has the same benefits 3% cash back on gas 2% cash back on groceries and utilities (up to the combined $1,000 monthly spend cap) 1% cash back on all other eligible purchases but something that changed is their appears to be two versions of this card. One that has the Spectrum Cash Benefits which is option 1 and option 2 earns 1.5% on all eligible purchases. Both option 1 and 2 of this card keep the 0% for 12 months that the Spectrum Cash had. Both options have no annual fee.

The BB&T Spectrum Travel Rewardshas had some valuable changes one change is the name of the card has changed to the Truist Enjoy Travel credit card. This card keeps the 2x and 1x rewards. Earn 2x miles per $1 spent on airfare, car rentals, and hotels. Earn 1x miles per $1 spent on all other eligible purchases just like the Spectrum Travel. It keeps the TSA pre check renewal up to $85 every four years. This card also still includes the 20,000 miles bonus but instead of having to spend $2000 you only have to spend $1500. The major change about this card is that it now has no annual fee. It's no no annual fee for the first year then $89. No it's no annual fee ever and it includes TSA that's pretty nice deal.

The BB&T Bright Credit Card has had no changes aside from a name change to the Truist Future credit card. This card keeps the 0% intro APR for 15 months on purchases and balance transfers. The 3% fee ($10 minimum) applies to each balance transfer is still their. This card also continues to have no annual fee and a rate of 11.24% – 20.24% variable APR after the intro rate expires.

The BB&T Secured Cards which used to come in 3 versions a Spectrum Cash, a Bright, and a Travel version have been replaced by the Truist Enjoy Cash Secured credit card it earns the same rewards as the enjoy cash. This card does have a $19 annual fee though.

Saving this for last this appears to be a new card offer from Truist. The Truist Enjoy Beyond credit card. Truist describes it as a Premium Rewards card. The rewards for this card are 3x points per $1 spent on airfare, hotels, and car rentals, 2x points per $1 spent on dining, and 1x points per $1 spent on all other eligible purchases. This card comes with a $100 for annual travel experience statement credit for items such as ground transport, streaming services, and ticket agencies. This card also includes a $100 credit for TSA Pre-Check® or Global Entry® fee awarded once every four years. This card does have a bonus of 30,000 bonus points after you spend $1,500 within 90 days of account opening. This card does however have a annual fee of $195.

It seems like some nice changes have been made to the cards and we even got a new card. Below I have includes pictures of the new card designs. I might go for one of these cards in the future. Though it does appear that they have done away with the pre qualify site. I'm hoping they add it back though.

The Truist Enjoy Cash and the Enjoy Cash Secured (Formerly BB&T Spectrum Cash)

The Truist Enjoy Travel ( Formerly BB&T Spectrum Travel)

The Truist Future Card (Formerly BB&T Bright)

Truist Enjoy Beyond Card (New Card!)

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

NoMoreE46 — Sun, 10 Oct 2021 12:53:34 GMT

Appreciate this write up 👍🏼.

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

BearsCubsOtters — Sun, 10 Oct 2021 13:46:26 GMT

I have previously written nasty grams about BB&T and the Truist name (at the expense of SunTrust name).

But two things: 1) the offerings are pretty competitive if you live in their footprint and 2) I dig the purple card. Not enough cards are purple. Okay three things....3) thank goodness they aren't vertical!

Man, this took forever it seems for this to come to fruition. Thanks for the write up!

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

JNA1 — Sun, 10 Oct 2021 14:04:29 GMT

Thanks for this info!

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

Rebuild2019 — Sun, 10 Oct 2021 14:17:34 GMT

Thanks for putting this up for everyone. I did receive a call from a banker at BB&T a few weeks ago. The call was in reference to the upcoming changes and she wanted to know if I was interested in any other services. I thought it was a good call. I like the new purple card also. Nice change.

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

Jnbmom — Sun, 10 Oct 2021 15:10:18 GMT

Of course I can't get in now 😳

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

JNA1 — Thu, 21 Oct 2021 00:47:24 GMT

I noticed in my app that my BB&T card is now showing as Truist Spectrum Cash. It was still showing as the red BB&T card a few days ago. I wonder if they are going to keep existing cards as BB&T names and the new cards as the Enjoy line.

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

ChargedUp — Sun, 10 Oct 2021 18:07:11 GMT

Is Truist still geo restricted?

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

Anonymous — Sun, 10 Oct 2021 19:53:14 GMT

@ChargedUp wrote:
Is Truist still geo restricted?

yes if your not in their service footprint

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

Jazzcat — Sun, 10 Oct 2021 22:09:10 GMT

Welp, I'm waiting for my newly approved BB&T "Bright" card to arrive by mail and am now wondering if it will have "Truist" or "BB&T" name/colors initially ?

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

Anonymous — Mon, 11 Oct 2021 03:12:52 GMT

this is great! Although I didn't see a place for pre-approval cards like we used to have for BB&T:-( You have to cold app the new Truist cards

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

GatorCowboyLion — Mon, 11 Oct 2021 03:53:33 GMT

Important, 10%, 20% and 50% rewards bonuses based on relationship. I can't find that data on the mobile website, but if it's the same as SunTrust, 10% is for having an open account of any kind, 25% is for 25k in accounts, and 50% is for 100k in accounts. This makes these cards much more interesting.

The secured card has higher rewards than any secured card I've ever seen, up to 4.5% cash back on gas, albeit with a $19 AF.

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

JNA1 — Mon, 11 Oct 2021 12:57:09 GMT

@Jazzcat wrote:
Welp, I'm waiting for my newly approved BB&T "Bright" card to arrive by mail and am now wondering if it will have "Truist" or "BB&T" name/colors initially ?

Keep us updated on that. It will be interesting to see how they'll handle new apps.

Truist CC Launch

dcp0524 — Mon, 11 Oct 2021 21:55:40 GMT

It looks like Truist has launches their new suite of credits cards. I havent seen anyone here mention that. Could have missed it tho.

The most interesting card for me is the "Enjoy Travel" that gives you an $85 TSA/ Global Entry credit for no annual fee, which idk any other card with No AF that offers that.

It looks like all cards will get a 25%/50%/75% bonus redemption rate based on relationship tier.

Their Enjoy Cash will be same 3,2,1% as BB&T Spectrum Cash but you can also choose a flat 1.5% at time of application. Apparently no changing it once you apply. Meh.

Launching a premium travel ""Enjoy Beyond" CC. 195$ AF, 30k SUB, $100 annual credit for ground transport, streaming services and ticket agencies. $100 credit every 4 year for TSA/GE

Re: Truist CC Launch

dcp0524 — Mon, 11 Oct 2021 21:57:26 GMT

...and I found an article as soon as I submitted this one... -_-

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

Rudy1 — Tue, 12 Oct 2021 01:50:11 GMT

Oh I thought they would change cards over. I wonder if that will be an option as from what it appears the new cards they offer are a upgrade over their former versions.

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

Jazzcat — Tue, 12 Oct 2021 22:29:49 GMT

Card came today it's in the old BB&T livery. Going to activate it in a few minutes but the bb&t/U Page is now truist, so we will see how this goes (being able to activate online).

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

Jazzcat — Tue, 12 Oct 2021 23:14:21 GMT

FYI......Just was able to activate BB&T Bright card on new truist web site.

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

JNA1 — Wed, 13 Oct 2021 22:01:49 GMT

@Jazzcat wrote:
FYI......Just was able to activate BB&T Bright card on new truist web site.

Out of curiosity, what shows when you go down the •••more button at the bottom of the page on the mobile app and then select card controls.

This is what mine shows, even though I still actually have the red BB&T card.

Re: Bye Bye BB&T! Hello Truist. New Card Offerings What does everyone think?

TMJ1974 — Tue, 12 Oct 2021 23:41:41 GMT

First, I want to thank the community here. I've read through many articles over the past few years, but not commented much. I've been fortunate to follow the guidance posted here to go from not having/using any credit cards to a Capital One Platinum card, to having a nice wallet full of premium travel cards and a few specific cash back options.

Now, onto these cards. I'm pretty sure the non-travel BB&T cards had a foreign transaction fee. I noticed none of these new ones list a FX fee.

Finally, I was waiting for the transition to decide on switching my banking. The Truist Dimensions checking works for me, so I signed up. I figure, while I was there, I'd go ahead and apply for the Enjoy Beyond. I got the "we'll email you in 2 days." With the bank holiday yesterday, I got the email today that I was approved! $6500 limit. I'll report more when I get the card.