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Piedmont Advantage Members: Apply for a Truliant Credit Card
As we prepare to combine our systems in February 2027, Piedmont Advantage is no longer accepting new credit card applications directly.
Piedmont Advantage members may apply for a Truliant credit card today and take advantage of available credit card options without waiting for the operational conversion to be completed.
Choose the card that best fits your needs and complete your application online.
Why Am I Applying Through Truliant?
As part of the merger transition, new credit card applications are now being processed through Truliant. This allows Piedmont Advantage members to access Truliant's credit card products and benefits today.
Explore Your Credit Card Options
MaxBack Cash
$200 cash back bonus!
- Up to 5% cash back at Walmart, restaurants, pharmacies, on utilities, gas & more1
- Great intro offer for 12 months on purchases and qualifying balance transfers
- $200 bonus rewards after spending $1,000 in the first 90 days2
5%
max cash back
Radiant
Our lowest-rate card.
- Great intro offer for 15 months on purchases and qualifying balance transfers
- Perfect card if you carry a balance
- Rates as low as 11.99% APR4 after the intro period
11.99%
APR as low as
Soar Secured
A smart way to build credit.
- Set your credit limit with a deposit
- Build credit with every on-time payment
- No surprises, just a low rate
$1,000
starting credit limit
What to Expect When You Apply
1. Check for Offers
See whether you qualify for a Truliant credit card. If applicable, prequalification allows you to explore options before completing an application.
2. Select a Card and Apply
Choose the card that best meets your needs and complete the application process.
3. Establish your Truliant Membership
Because Piedmont Advantage and Truliant will continue operating on separate systems until February 2027, members who do not already have a Truliant membership will need to establish a Truliant membership before opening a new credit card.
As part of the application process, a Truliant Membership Savings Account will be opened and funded with a minimum $5 membership share deposit. We will guide you through the process and make it as simple as possible.
4. Receive and Begin Using Your Card
Once approved, your new card will be mailed to you along with instructions for activation, account access, payment options, and digital banking enrollment.
What Happens in February 2027?
We'll Take Care of Connecting Your Memberships
When the Piedmont Advantage and Truliant systems are combined, currently scheduled for February 22, 2027:
- Your Truliant membership will be matched and connected with your Piedmont Advantage membership.
- Your Truliant Membership Savings Account will remain open as your primary Truliant membership account.
- Your existing PACU Membership Savings Account will remain open and automatically become an additional savings account within your combined membership relationship.
- Your new credit card will be connected to your combined membership.
- No action is required on your part.
- After conversion, if you would like to modify or consolidate account structures, our Member Service team will be happy to assist you.
- Additional communications will be provided regarding account access and online banking.
FAQs
No. Answer a few quick questions and find out instantly what you are prequalified for with no hit to your credit score.
Credit union membership requires a Membership Savings Account.
If you do not already have a Truliant membership, a Truliant Membership Savings Account will be opened as part of your credit card application.
A minimum deposit of $5 is required to establish membership. This $5 membership share remains in your Membership Savings Account and represents your ownership share in the credit union.
Rates and terms are subject to change. Loans are subject to credit approval.
1) Earn 5% cash back on utilities (including services like wireless, internet, electricity, and natural gas) and recurring subscription purchases (including services like streaming services and magazines), on up to $500 in purchases per month. Purchases in this category exceeding the monthly cap will earn 1% cash back. Earn 3% cash back on purchases at grocery stores, drug stores, discount stores (e.g., Walmart), variety stores (e.g., dollar stores), restaurants (including sit-down, fast food, bars, and taverns), gas stations (including pay-at-the-pump and in-store purchases), and EV charging stations, on up to $1,500 in purchases per month. Purchases in these categories exceeding the monthly cap will earn 1% cash back. Earn 1% cash back on all other eligible purchases. Cash back rewards are earned as transactions post to the account. Rewards may be redeemed as a statement credit at the cardholder’s request. Cash back rewards expire four (4) years from the date earned. Qualifying purchases are determined based on merchant category codes (MCCs) assigned by the merchant. Certain purchases may not qualify for bonus cash back if the merchant is not categorized in an eligible category. Rewards are subject to other terms, conditions, and limitations. See full Truliant Federal Credit Union card rewards terms and conditions.
2) $200 additional cash rewards after spending $1,000 in the first 90 days. Additional terms, conditions, and limitations apply. See full intro bonus cash rewards terms and conditions.
4) APR=Annual Percentage Rate. 0% APR for purchases and qualifying balance transfers during the first 15 months ("Promotional Period"). After the Promotional Period, the promotional rate reverts to a variable APR between 11.74% and 17.99%. To qualify for the 0% APR during the Promotional Period, balance transfers must be posted in the first three months. Offer valid for balances transferred from non-Truliant accounts. Balance transfer fee applies. Balance transfers do not earn rewards. See account terms for additional information.
See the card agreements for our discontinued cards.