YOUR CARD COLLECTION
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Cash back
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Option A: Gas Stations | 3% | Combined $1,000/mo cap across Option A categories | Choose Option A or flat Option B AT APPLICATION — the choice is permanent |
| Option A: EV Charging | 3% | Shared cap | — |
| Option A: Groceries | 2% | Shared cap | — |
| Option A: Utilities | 2% | Shared cap | — |
| Option B: Everything | 1.5% | — | Alternative flat choice at application |
No standard bonus reported
No welcome bonus — confirmed in Oct 2026 reviews (MoneyCrashers and WalletHub both list no initial rewards bonus).
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Truist application rules
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Filled in the Oct 29, 2026 pass: resolved as confirmed no bonus after checking other sources — the absence of a bonus is the data point.
Offer type, as listed: No sign-up bonus