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Bright Builder

Bright Builder

Build Credit history with on-time payments¹

Bright Plan

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Customized debt pay-off and budgeting plan

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Smart Round-Ups

Round up everyday purchases and save effortlessly

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Rent Reporting

Rebuild your credit history with rent payments

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Personal Loans

Multiple loan offers from partners in minutes

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Cash Advance

Multiple offers of up to $750. All credit scores can apply

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Get Started Arrow icon

Bright Builder

Build Credit history with on-time payments¹

Bright Plan

Customized debt pay-off and budgeting plan

Smart Round-Ups

Round up everyday purchases and save effortlessly

Rent Reporting

Rebuild your credit history with rent payments

Personal Loans

Multiple loan offers from partners in minutes

Cash Advance

Multiple offers of up to $750. All credit scores can apply

Learn

Learn finance insights & explore latest money issues

Calculators

Loan Repayment Calculator to check the Loan amount

Credit Cards

Credit Cards supported by Bright

Careers

Discover career opportunities and join our dynamic team

FAQs

How can we help you or get in touch with us

You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

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You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

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You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

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Truist

Truist Enjoy Cash Secured credit card

Truist Bank Cards information with Bright

Credit needed
APR
24.49%
Annual Fee
$19

Card Summary

The Truist best secured credit cards offer a myriad of benefits. Let us examine its primary benefits in more detail:

  • Loyalty Cash Bonus

When you redeem your cash back rewards into a Truist deposit account, you can earn a Loyalty Cash Bonus based on your Truist deposit relationship. This bonus can range from 10% to 50% and adds extra value to your cash back rewards.

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  • Zero Liability Policy

Beyond credit-building, the Truist secured credit cards for bad credit provide security against fraud. Thanks to the Visa Zero Liability Policy, you're not held responsible for unauthorized transactions made using your card information.

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  • Customizable Card Controls

The Truist Enjoy Cash Secured Credit Card offers customizable card controls for added security. You can set spending limits, enable or disable certain transaction types, and receive alerts for specific activities. These controls help you manage and protect your credit card.

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  • Worldwide Acceptance

Whether strolling through foreign markets or indulging in online retail therapy, the Truist Secured Card is your global companion. Accepted in over 200 countries and territories, it's your ticket to seamless transactions wherever the Visa logo beckons.

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  • Digital Wallet Ready

The digital age meets financial convenience. Sync your Truist Secured Visa Card with digital wallets like Apple Pay, Google Pay, or Samsung Pay. Effortlessly transact using your mobile device, adding a touch of futuristic flair to your purchases.

  • Improved Credit Rating 

Elevate your credit rating as your credit history thrives. As the trajectory of your credit story improves, so does your credit rating. It can lead to better interest rates on loans, credit cards, and mortgages. A higher credit rating enhances your financial stability and gives you more favorable monetary options.

Card Summary - Cons

The Truist secured credit cards to build credit have numerous benefits, but it's necessary to consider the potential downsides. Some of these include: 

  • Security Deposit Requirement

To apply for the Truist best secured credit cards for bad credit, you are required to make a security deposit. This deposit is held with the bank for the duration of your card's ownership. Although this deposit becomes refundable when the account is closed, it does require an upfront commitment of funds.

  • Interest Charges

Interest charges are applicable if you carry a balance on your Truist Secured Visa Card. Even though the card has competitive interest rates, it's vital to effectively manage your spending and make timely payments to prevent unnecessary interest charges.

Rates and fees

Issuer Name
Truist
Penalty APR
Credit Needed
Balance Transfer Fee
Annual Fee
$19
Cash Advance Fee
APR
24.49%
Foreign Transaction Fee

Highlights

Comparative Analysis with Other Cards

Conclusion

The Truist Enjoy Cash Secured Credit Card holds the power to empower second chances in the financial domain. It caters to a spectrum of individuals, from newcomers to Canada to those aiming to rebuild their credit. A transparent application process tied to a security deposit provides a structured method for credit establishment. Its digital wallet compatibility feature and zero liability policy option cater to modern financial needs. With each responsible payment, you edge closer to an improved credit rating and the accompanying benefits of enhanced financial choices.

 

Be a Part of the Financial Transformation with the Bright Money dedicated ensemble of data scientists, engineers, product builders, and service professionals committed to pioneering a new era of debt relief and cutting-edge technology to give you real-time updates on your investments, taxes, and more to meet all your financial goals.

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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