Truist Enjoy Beyond credit card
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The Truist Enjoy Beyond credit card is a rewards card designed for occasional travelers. It occupies an odd niche, because it offers rewards on travel and seems to compete with mid-tier travel cards, yet it doesn’t offer as many benefits or perks as its competitors. There is a welcome offer, plus a $100 annual credit for travel incidentals like ground transportation and ticket agencies. There’s a $100 credit every four years for TSA PreCheck® or Global Entry® as well. We dive into the details and your approval odds in this Truist Enjoy Beyond review.
Our Rating
3.0/5.0
Welcome Offer
Earn 30,000 bonus points
Annual Fee
$195
0% on Purchases
None
Reward Rate
1x to 3x points
0% on Balance Transfers
None
Welcome Offer
Earn 30,000 bonus points after you spend $1,500 within 90 days of account opening
Features & Benefits
| Security | Credit Score Monitoring, EMV Chip Enabled, Zero Liability, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay |
| Benefits | Free credit score access, 24/7 customer service |
| Travel Perks | Roadside Assistance, TSA PreCheck & Global Entry credit |
Rewards
Interest Rates & Fees
| Annual Fee | $195 |
| Foreign Transaction Fee | None |
| Regular APR | 18.49% and 27.49% (V) APR |
What Credit Score Is Required to Get the Truist Enjoy Beyond credit card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 659
Average Approved Credit Score: 700
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 02/06/2023 | Equifax | ||
| Approved | 02/06/2023 | Experian | ||
| Approved | 02/06/2023 | Experian | ||
| Approved | 02/06/2023 | Equifax | ||
| Approved | 02/06/2023 | TransUnion | ||
| Approved | 02/06/2023 | TransUnion |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- Up to 3x points
- Requires good credit
- High annual fee for the benefits it offers
What Are the Best Alternatives?
Capital One Venture Rewards Credit Card
Rating
4.5
Rewards Range
2x - 5x miles
Annual Fee
$95
Chase Sapphire Preferred® Card
Rating
4.9
Rewards Range
1x - 5x points
Annual Fee
$95
U.S. Bank Altitude® Connect Visa Signature® Card
Rating
4.8
Rewards Range
1x - 5x
Annual Fee
$0 intro annual fee for the first year, $95/year thereafter.