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Truist Enjoy Cash Credit Card

Truist Enjoy Cash Credit Card

3.4WalletHub Rating

WalletHub Rating

3.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Market Comparison

3.4

fees: 5.0

rewards: 3.3

cost: 3.0

APR: 3.4

TermsReviewFAQContact

WalletHub Rating

3.4/5

Truist Enjoy Cash Credit Card has a rating of 3.4/5 according to our proprietary credit card rating system. This rating reflects how appealing Truist Enjoy Cash Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases'. To break it down further, Truist Enjoy Cash Credit Card earned a score of 5.0/5 for Fees, 3.3/5 for Rewards, 3.0/5 for Cost, and 3.4/5 for APR. Info about the Truist Enjoy Cash Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.

WalletHub Rating Breakdown

Fees 5.0/5

Rewards 3.3/5

Cost 3.0/5

APR 3.4/5

KEY TERMS

Excellent Credit, Good Credit

Annual Fee

APR on Purchases

0% intro APR for 12 months, 18.74% - 27.74% (V) APR after that

Balance Transfer

0% intro APR for 12 months, 18.74% - 27.74% (V) APR after that

Balance Transfer Fee 3% (min $10)

Rewards

Enjoy Cash lets you choose from two cash back options when you apply—so you earn what fits your spending habits best

Option 1: Earn 3% cash back on gas and EV charging, 2% on groceries and utilities (up to the combined $1,000 monthly spend cap on 2% or 3% eligible purchases) and 1% on all other eligible purchases.

Option 2: Earn 1.5% cash back on all eligible purchases.

Earn a 10% - 50% Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into an eligible Truist deposit account.

Truist Enjoy Cash Credit Card's Additional Info

Customizable card controls for added security.

Contactless payments and mobile wallets for faster checkout.

Visa® Zero Liability protection against unauthorized card use.

Learn More

at Truist's secure site

Truist Enjoy Cash Credit Card Pros & Cons

No membership fees

0% intro APR on purchases

0% intro APR on balance transfers

No foreign fee

No initial rewards bonus

Balance transfer fee

High regular APR

Requires good/excellent credit

Compare The Truist Enjoy Cash Credit Card vs. Popular Alternatives


3.4WalletHub Rating WalletHub Rating 3.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Market Comparison 3.4 fees: 5.0 rewards: 3.3 cost: 3.0 APR: 3.4	4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.9 User Reviews 3.3 Market Comparison 4.4 fees: 3.8 rewards: 4.7 cost: 4.7 Other Features: 0.0	4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 User Reviews 3.6 Market Comparison 4.2 fees: 4.3 rewards: 5.0 cost: 4.3 APR: 3.8
(1)	(233)	(2,943)
annual fee$0	annual fee$0	annual fee$0
Purchase Intro APR0% for 12 months	Purchase Intro APR0% for 12 months from account opening	Purchase Intro APR0% for 15 months
transfer intro apr0% for 12 months\|Transfer Fee: 3% (min $10)	transfer intro apr0% for 12 months from account opening on qualifying balance transfers\|Transfer Fee: 3% intro for 120 days from account opening, then up to 5% (min $5)	transfer intro apr0% for 15 months\|Transfer Fee: 3% (min $5)
Regular APR18.74% - 27.74% (V)	Regular APR18.49%, 24.49%, or 28.49% Variable	Regular APR19.49% - 28.49% (V)
rewards rate 1.5% Cash Back	rewards rate 2% Cash Rewards	rewards rate 1 - 3% Cash Back
bonus offerNone	bonus offer $200 Cash Rewards	bonus offer $200
Add to Compare	Add to Compare	Add to Compare
	Sponsored Apply Now Rates & Fees	Sponsored Apply Now Rates & FeesTerms Apply

Truist Enjoy Cash Credit Card Q&A

Can't find what you are looking for? Submit your question about Truist Enjoy Cash Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Truist Enjoy Cash Credit Card Reviews

Share your insights and review for the Truist Enjoy Cash Credit Card

4.0

What's Your Rating?

MIster Caleb
June 7, 2023 • @user979797

Verified Customer

The Truist Enjoy Cash card is a good cash back reward option that gives you two choices for rewards when signing up either 1.5% unlimited cash back or 3% at gas stations 2% utilities and groceries and 1% everything else. This cannot be changed in the future which i think is a bad decision but it's their choice. The card does have the ability to reach a pretty high credit line of over 25,000 if your profile allows it but increase requests do require a hard pull each time you ask. The card has no annual fee and is a good reward option as well as a good card that offers 0% balance transfers throughout ownership. A decent rewards card that could be better but isn't bad.

Comment

Review Truist Enjoy Cash Credit Card

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Offer last updated: Jan 29th, 2026 at 07:34 ET

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Truist Enjoy Cash Credit Card

Truist Enjoy Cash Credit Card

Credit Score

Annual Fee

APR on Purchases

Balance Transfer

Rewards

Truist Enjoy Cash Credit Card's Additional Info

Truist Enjoy Cash Credit Card Pros & Cons

Compare The Truist Enjoy Cash Credit Card vs. Popular Alternatives

Truist Enjoy Cash Credit Card Q&A

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Truist Enjoy Cash Credit Card Reviews

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