Truist Enjoy Cash Credit Card
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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.
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
Welcome Offer
None
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Alerts, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | 24/7 customer service |
| Travel Perks | Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 18.49% - 27.49% (V) APR |
| Purchases | 0% 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 Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 02/28/2023 | Not Provided | ||
| Approved | 02/28/2023 | Not Provided | ||
| Approved | 02/17/2023 | Experian | ||
| Approved | 02/17/2023 | Equifax | ||
| Approved | 12/06/2023 | Not Provided | ||
| Approved | 08/31/2023 | Not Provided |
Pros & Cons
- No annual fee
- No foreign transaction fee
- Choose how you earn rewards
- No welcome bonus
- High APR
- Requires good credit
What Are the Best Alternatives?
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Blue Cash Everyday® Card from American Express
Rating
4.4
Rewards Range
1%-3%
Annual Fee
$0