Have you ever looked at your Truist credit card statement and thought, "What are all these points for, and how do I actually use them?" If so, you're not alone! Reward points are a fantastic perk of using your credit card, allowing you to get more value out of your everyday spending. But the process of redeeming them can sometimes feel a bit like navigating a maze.
Fear not! This comprehensive guide will walk you through exactly how to redeem your points on your Truist credit card, step-by-step, ensuring you maximize your rewards and enjoy the benefits you've earned. Let's unlock the value of your Truist points together!
Step 1: Discover Your Truist Rewards Potential – How Many Points Do You Have?
Before you can redeem your hard-earned points, you need to know how many you've accumulated! This is the exciting first step, as it reveals the potential rewards awaiting you.
Checking Your Points Balance
Truist makes it relatively easy to check your points balance. You have a couple of convenient options:
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Online Banking Portal:
- This is usually the most comprehensive way. Log in to your Truist Online Banking account at Truist.com.
- Once logged in, navigate to the "Accounts & Cards" section. You should see your credit card listed.
- Look for a section related to "Rewards" or "View Rewards" associated with your credit card. Clicking on this will take you to your rewards portal, where your current points balance will be prominently displayed.
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Truist Mobile Banking App:
- For on-the-go convenience, download and open the Truist Mobile Banking App on your smartphone or tablet.
- Log in using your credentials.
- Similar to the online portal, you'll want to find your credit card account and then look for a "Rewards" or "Deals" section. The app should show you your accumulated points.
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Calling the Truist Rewards Service Center:
- If you prefer speaking to someone, or are having trouble with the digital platforms, you can always call the Truist Rewards Service Center at 1-800-255-7125.
- They are available Monday through Friday from 7:00 am to 9:00 pm ET, and on Saturday and Sunday from 9:00 am to 9:00 pm ET (except major holidays).
Have your credit card handy when you call.
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Important Note on Loyalty Bonuses: Truist offers a "Loyalty Cash Bonus" for certain credit cards when you redeem cash rewards into an eligible Truist deposit account. This bonus can range from 10% to 50% depending on your deposit relationship with Truist. This is a fantastic way to boost the value of your cash back!
Step 2: Understanding Your Redemption Options – What Can Your Points Get You?
Once you know your points balance, it's time for the fun part: exploring what you can redeem them for! Truist offers a variety of redemption options to cater to different preferences. The exact options might vary slightly based on your specific Truist credit card (e.g., Enjoy Cash, Enjoy Travel, Enjoy Beyond).
Common Redemption Categories
Here are the most common ways you can redeem your Truist credit card points:
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Cash Back:
- This is often the most straightforward and flexible option. You can typically choose to receive your cash back as:
- A statement credit to your credit card account, reducing your outstanding balance.
- An electronic deposit directly into an eligible Truist personal checking, personal savings, or personal money market account. Remember the Loyalty Cash Bonus mentioned above for this option!
- A check mailed to you.
- Minimum Redemption: There is usually a minimum redemption threshold for cash back, often around $25.00.
- This is often the most straightforward and flexible option. You can typically choose to receive your cash back as:
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Gift Cards:
- You can redeem your points for gift cards to a wide array of popular merchants, including shopping, dining, home/office, and entertainment categories. This can be a great way to treat yourself or someone else.
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Travel Rewards:
- If you have a Truist credit card geared towards travel (like the Enjoy Travel card), you'll likely have excellent travel redemption options. These can include:
- Airline tickets: Book flights on most major U.S. based airlines.
- Hotel bookings: Secure accommodations for your next trip.
- Auto rental bookings: Get a car for your travel needs.
- Cruises and activities: Explore a variety of travel experiences.
- Travel Portal: You'll typically book travel through the dedicated Truist Rewards travel portal.
- Travel Bonus: Some travel cards offer a "Loyalty Travel Bonus" when you redeem points for travel, based on your Truist deposit relationship.
- If you have a Truist credit card geared towards travel (like the Enjoy Travel card), you'll likely have excellent travel redemption options. These can include:
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Merchandise:
- You might find an online catalog of merchandise where you can redeem your points for various products. This can range from electronics to home goods.
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Event Tickets:
- In some cases, you might be able to redeem points for tickets to concerts, sporting events, or other special events.
Considering the Value of Your Points
It's always a good idea to assess the value you're getting for your points across different redemption options. While 1 point might equal 1 cent for cash back, its value could be higher or lower when redeemed for travel or merchandise. The Truist rewards portal should clearly display the value of your points for each redemption choice.
Step 3: The Redemption Process – Step-by-Step Guide
Now that you know your balance and your options, let's walk through the actual redemption process. The most common and recommended way to redeem your points is online or through the mobile app.
Sub-heading: Online Redemption via Truist.com
- Access Your Online Banking: Go to Truist.com and log in to your Truist Online Banking account using your User ID and Password.
- Navigate to Rewards: Once logged in, look for a section or link that says "Rewards" or "View Rewards." This is usually found within the "Accounts & Cards" section or a dedicated "Rewards & Deals" menu.
- Enter the Rewards Portal: Clicking on the rewards link will typically direct you to the dedicated Truist Rewards website (it might open in a new tab or window, for example,
cardrewards.truist.com). - Browse Redemption Options: Within the rewards portal, you will see various categories for redemption, such as "Cash," "Gift Cards," "Travel," and "Merchandise."
- Select Your Desired Redemption:
- For Cash Back: Choose the "Cash" option. You'll then be prompted to select how you want to receive your cash (statement credit, direct deposit to Truist account, or check). Enter the amount of cash back you wish to redeem (ensuring you meet the minimum threshold, if applicable).
- For Gift Cards: Select "Gift Cards." You'll then browse a selection of available gift cards from various merchants. Choose the gift card and the denomination you desire.
- For Travel: Click on "Travel." This will usually take you to a travel booking interface where you can search for flights, hotels, car rentals, or cruises using your points.
- For Merchandise/Events: Select the relevant category and browse the available items or tickets.
- Confirm Your Redemption: Review your selection carefully. The portal will show you how many points are required for your chosen redemption. Once you're satisfied, confirm the redemption.
- Receive Confirmation: You should receive an on-screen confirmation of your redemption, and often an email confirmation as well.
Sub-heading: Mobile App Redemption
- Open the Truist Mobile App: Launch the Truist Mobile Banking App on your device.
- Log In: Enter your login credentials.
- Find Rewards: Navigate to your credit card account within the app. Look for a "Rewards" or "Deals" tab or section.
- Proceed to Redemption: Similar to the online portal, the app will likely direct you to the rewards redemption interface.
- Choose and Confirm: Follow the on-screen prompts to select your desired redemption option (cash back, gift card, travel, etc.) and confirm your choice.
Sub-heading: Phone Redemption
- Call the Rewards Service Center: Dial 1-800-255-7125.
- Verify Your Identity: The representative will ask you for personal information to verify your identity and credit card account.
- State Your Intent: Clearly inform the representative that you wish to redeem your credit card points.
- Discuss Options: The representative will guide you through your available redemption options and their associated point values.
- Make Your Selection: Tell the representative which reward you'd like to redeem for and the amount.
- Confirm Details: The representative will confirm the details of your redemption before finalizing it.
Step 4: What to Expect After Redemption
Once you've successfully redeemed your points, here's what typically happens:
- Cash Back (Statement Credit): The statement credit will usually appear on your credit card statement within a few business days, often by your next billing cycle.
- Cash Back (Direct Deposit/Check): Direct deposits to your Truist account typically process within a few business days. Checks sent via mail may take longer to arrive, usually 7-10 business days.
- Gift Cards: Electronic gift cards are often delivered to your email address almost immediately or within a few hours. Physical gift cards will be mailed and can take up to 7-10 business days to arrive.
- Travel Bookings: You will receive confirmation of your travel booking (e.g., flight itinerary, hotel confirmation) via email.
- Merchandise: Shipping times for merchandise will vary depending on the item and vendor. You should receive tracking information.
Tips for Maximizing Your Truist Rewards
- Understand Your Card's Earning Structure: Different Truist credit cards earn points at different rates for various spending categories. Know what earns you the most points (e.g., gas, groceries, travel) and try to use your card for those purchases.
- Look for Bonus Offers: Truist may occasionally offer special promotions where you can earn extra points on certain purchases or achieve bonus points for meeting spending thresholds. Keep an eye on your emails and online banking messages for these offers.
- Consider the Loyalty Bonus: If you have eligible Truist deposit accounts, redeeming cash back as a direct deposit can significantly increase the value of your rewards due to the Loyalty Cash Bonus.
- Redeem Before Expiration: Truist points earned from purchases typically expire five (5) years from the date of issuance on a first-in, first-out basis. Make sure to redeem them before they expire!
- Keep Your Account in Good Standing: Points are redeemable only if your credit card account is open, current (no past due balances), the outstanding balance is not more than the approved credit line, and the account is in good standing.
If your account is closed, your rewards will be forfeited. - Compare Redemption Values: As mentioned earlier, always compare the value of your points across different redemption options to ensure you're getting the most bang for your buck.
Frequently Asked Questions (FAQs)
How to check my Truist credit card points balance?
You can check your Truist credit card points balance by logging into your Truist Online Banking account or the Truist Mobile Banking App and navigating to the "Rewards" section associated with your credit card. Alternatively, you can call the Truist Rewards Service Center at 1-800-255-7125.
How to redeem Truist points for cash back?
To redeem Truist points for cash back, log into your Truist online banking or mobile app, go to the "Rewards" section, select the "Cash" option, and choose whether you want a statement credit, direct deposit to a Truist account, or a mailed check.
How to use Truist points for travel?
You can use Truist points for travel by accessing the "Travel" section within the Truist Rewards portal (available through online banking or the mobile app). From there, you can search and book flights, hotels, car rentals, and other travel activities using your points.
How to get gift cards with Truist points?
To get gift cards with Truist points, access the "Gift Cards" category within the Truist Rewards portal, browse the available merchants and denominations, select your desired gift card, and confirm the redemption.
How to know if my Truist points expire?
Yes, Truist points earned from purchases expire five (5) years from the date of issuance on a first-in, first-out basis. It's important to keep an eye on your points balance and redemption history to ensure you use them before they expire.
How to get the Truist Loyalty Cash Bonus?
The Truist Loyalty Cash Bonus is automatically applied when you redeem your eligible cash rewards as an electronic deposit into a qualifying Truist personal checking, savings, or money market account. The bonus percentage depends on your deposit relationship with Truist.
How to contact Truist Rewards customer service?
You can contact Truist Rewards customer service by calling the Truist Rewards Service Center at 1-800-255-7125. They are available Monday through Friday from 7:00 am to 9:00 pm ET, and on Saturday and Sunday from 9:00 am to 9:00 pm ET.
How to find the Truist Rewards portal?
The Truist Rewards portal can be accessed by logging into your Truist Online Banking account at Truist.com and looking for a "Rewards" or "View Rewards" link associated with your credit card.
How to ensure my Truist account is eligible for point redemption?
To ensure your Truist account is eligible for point redemption, it must be open and current (no past due balances), the outstanding balance must not exceed your approved credit line, and the account must be in good standing.
How to maximize the value of my Truist credit card points?
To maximize the value of your Truist credit card points, understand your card's earning structure, look for bonus offers, consider the Loyalty Cash Bonus for cash back redemptions, and always compare the point value across different redemption options (cash, gift cards, travel, merchandise) to choose the one that offers the best return for your spending habits.
