Truist Enjoy Cash Credit Card

The Truist Enjoy Cash Credit Card is a cash back card that gives you a choice in how you want to earn rewards. One option is to earn 3% cash back on gas and EV charging, 2% on groceries and utilities (up to the combined $1,000 monthly spend cap), and 1% cash back on everything else. Option two pays 1.5% cash back on everything across the board. While the first option is subject to spending caps, you can earn unlimited rewards if you choose option two. If you deposit your rewards in a Truist checking, savings, or money market account, you earn a 10% loyalty cash bonus. On the other hand, there is no welcome offer with this card, and a number of 2% cash back credit cards have been introduced lately. We dive into the details and your approval odds in this Truist Enjoy Cash review.

Truist Enjoy Cash Credit Card

Our Rating

3.8/5.0

Welcome Offer

None

Annual Fee

$0

0% on Purchases

12 months

Reward Rate

1% to 3% cash back

0% on Balance Transfers

None

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability, Alerts, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
Benefits24/7 customer service
Travel PerksRoadside Assistance

Rewards

1% cash back
On all other eligible purchases
Earn 1% cash back on all other eligible purchases
1.5% cash back
All eligible purchases
You can opt to earn 1.5% cash back on all eligible purchases instead of tiered rewards
2% cash back
U.S. supermarkets
Earn 2% cash back on groceries and utilities up to the combined $1,000 monthly spend cap
2% cash back
All eligible purchases
Earn 2% cash back on groceries and utilities up to the combined $1,000 monthly spend cap
3% cash back
Gas
Earn 3% cash back on gas and EV charging

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR18.49% - 27.49% (V) APR
Purchases0% Intro APR for 12 months on purchases, then 18.49% - 27.49% (V) APR after that.

What Credit Score Is Required to Get the Truist Enjoy Cash 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: 674

Average Approved Credit Score: 712

App StatusDateCredit ScoreBureauCredit Limit
Approved02/28/2023
715
Not Provided
$7,500
Approved02/28/2023
750
Not Provided
$9,000
Approved02/17/2023
674
Experian
$4,500
Approved02/17/2023
734
Equifax
$4,500
Approved12/06/2023
700
Not Provided
$5,000
Approved08/31/2023
700
Not Provided
$4,500

Pros & Cons

Pros
  • No annual fee
  • No foreign transaction fee
  • Choose how you earn rewards
Cons
  • No welcome bonus
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

Citi<sup>®</sup> Double Cash Card
Citi® Double Cash Card

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Rating

4.4

Rewards Range

1%-3%

Annual Fee

$0

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