Truist Enjoy Cash Secured credit card
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The Truist Enjoy Cash Secured credit card is a secured card designed for those who want to rebuild their credit. Unlike most secured cards, this one offers cash back rewards on gas, groceries, and utilities, although rewards in these categories are subject to a cap of $1,000 in combined purchases per month. You will need to deposit a minimum of $400 in a Truist savings account, which will be your credit limit. We dive into the details and your approval odds in this Truist Secured review.
Our Rating
3.5/5.0
Welcome Offer
None
Annual Fee
$19
0% on Purchases
None
Reward Rate
1% to 3% cash back
0% on Balance Transfers
None
Welcome Offer
None
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, PayPal |
| Benefits | 24/7 customer service |
| Travel Perks | Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $19 |
| Foreign Transaction Fee | None |
| Regular APR | 24.49% (V) APR |
What Credit Score Is Required to Get the Truist Enjoy Cash Secured 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: 550
Average Approved Credit Score: 570
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 01/06/2022 | Experian | ||
| Approved | 01/06/2022 | Equifax | ||
| Approved | 01/06/2022 | TransUnion |
Pros & Cons
- No foreign transaction fee
- Up to 3% cash back
- Reports to all three credit bureaus
- Annual fee
- No welcome bonus
- High APR
What Are the Best Alternatives?
Capital One Quicksilver Secured Cash Rewards Credit Card
Rating
4.8
Rewards Range
1.5%
Annual Fee
$0
U.S. Bank Cash+® Visa® Secured Card
Rating
4.6
Rewards Range
1% - 5%
Annual Fee
$0
Secured Chime Credit Builder Visa® Credit Card
Rating
4.5
Rewards Range
N/A
Annual Fee
$0