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Truist Enjoy Cash credit card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
18.49% ‐ 27.49% (Variable) (0% for the first 12 months)
Interest Rate: Purchases
18.49% ‐ 27.49% (Variable) (0% for the first 12 months)
Balance Transfer
18.49% ‐ 27.49% (Variable)
Balance Transfer
18.49% ‐ 27.49% (Variable)
Rewards
1.5% cashback
Rewards
1.5% cashback
Signup Bonus
-
Signup Bonus
-


8/10
Informr score
The Truist Enjoy Cash credit card currently has an Informr score of 8 out of 10. This score is based on our evaluation of 1 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Truist Enjoy Cash credit card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


MyBankTracker
MyBankTracker

The Truist Enjoy Cash Credit Card is designed for people who want flexibility in how they earn cash back. If you already bank with Truist you could get significantly more mileage out of this card thanks to the bonus. For example, $100 in cash back could become $150 if you're at the highest bonus tie...

- Rebecca Lake, MyBankTracker

Details


Interest Rates
Regular APR Interest Rate 18.49% ‐ 27.49% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 18.49% ‐ 27.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $10

Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1.5% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • You can also choose this rewards structure:
    • 3% cash back on gas
    • 2% cash back on groceries and utilities
    • 1% cash back
    • Note: $1,000 Monthly Category Cap on 2% or 3% eligible purchases
  • 10%, 25%, or 50% Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account.
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits

Customizable card controls for added security.

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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