Truist Enjoy Cash Secured credit card

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.

Truist Enjoy Cash Credit Card

Our Rating

3.5/5.0

Welcome Offer

None

Annual Fee

$19

0% Intro on Purchases

None

Reward Rate

1% to 3% cash back

0% Intro on Balance Transfers

None

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, PayPal
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
2% cash back
U.S. supermarkets
Earn 2% cash back on groceries (with a combined $1,000 monthly cap on 3% and 2% rewards categories)
2% cash back
Select Categories
Earn 2% cash back on utilities (with a combined $1,000 monthly cap on 3% and 2% rewards categories)
3% cash back
Gas
Earn up to 3% cash back on gas and EV charging (with a combined $1,000 monthly cap on 3% and 2% rewards categories)

Interest Rates & Fees

Annual Fee$19
Foreign Transaction FeeNone
Regular APR24.49% (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 StatusDateCredit ScoreBureauCredit Limit
Approved01/06/2022
550
Experian
$500
Approved01/06/2022
560
Equifax
$500
Approved01/06/2022
601
TransUnion
$500

Pros & Cons

Pros
  • No foreign transaction fee
  • Up to 3% cash back
  • Reports to all three credit bureaus
Cons
  • Annual fee
  • No welcome bonus
  • High APR

What Are the Best Alternatives?

Capital One Quicksilver Secured Cash Rewards Credit Card
Capital One Quicksilver Secured Cash Rewards Credit Card

Rating

4.8

Rewards Range

1.5%

Annual Fee

$0

U.S. Bank Cash+® Secured Visa® Card
U.S. Bank Cash+® Secured Visa® Card

Rating

4.6

Rewards Range

1% - 5%

Annual Fee

$0

Secured Chime Credit Builder Visa® Credit Card
Secured Chime Credit Builder Visa® Credit Card

Rating

4.5

Rewards Range

N/A

Annual Fee

$0

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