Truist Enjoy Cash Credit Card
- Best for: Truist customers who deposit their cash back into a Truist account, most of all those whose balances earn a 40% or 50% loyalty bonus
- What Sets It Apart: A one-time choice between bonus categories (3% on gas and EV charging, 2% on groceries and utilities) and a flat 1.5%; a 10% to 50% loyalty bonus on cash back deposited at Truist
- Cost: $0 annual fee; no foreign transaction fee; 0% interest for 12 months on purchases and on balances transferred within 90 days of opening the account, then a variable rate of 18.99% to 27.99%; 3% balance transfer fee ($10 minimum)
- Features: 3% and 2% rates on the first $1,000 of gas, EV charging, grocery, and utility purchases each month, then 1%; uncapped 1.5% option; $25 minimum to redeem as a statement credit, check, or Truist deposit
- Pros: 1.5% option pays 2.1% or 2.25% with a 40% or 50% bonus; 3.3% on gas with the base 10% bonus; phone, cable, and streaming bills count as utilities
- Cons: No welcome bonus; earning option fixed once you apply; 1% on other purchases with the 3% and 2% option; not offered in California, Iowa, Nevada, New York, Utah, or Vermont
Get the Truist Enjoy Cash Credit Card if you bank with Truist, since depositing your cash back there adds a 10% to 50% loyalty bonus. Take the 1.5% option if your balances earn a 40% bonus or more, enough to beat a no-fee 2% card, and otherwise the 3% and 2% option for gas, groceries, and utilities.
The Enjoy Cash is Truist’s no-annual-fee cash back card, and you don’t need a Truist account to apply. SunTrust’s Cash Rewards and Prime Rewards cards ended after SunTrust and BB&T merged into Truist in 2019, and Truist now offers this card for cash back and its no-fee Enjoy Travel card for miles.
Key Features
- No annual fee or foreign transaction fee
- 3% back on gas and EV charging, 2% on groceries and utilities, and 1% on the rest, with the 3% and 2% rates limited to the first $1,000 of those purchases each month
- Or 1.5% back on every eligible purchase, with no cap, if you choose that option when you apply
- A 10% to 50% loyalty bonus on cash back deposited into a Truist account, reaching 40% at $50,000 in combined Truist balances for Truist One Checking customers
- 0% interest for 12 months on purchases and on balances transferred within 90 days of opening the account (3% fee, $10 minimum), then a variable rate of 18.99% to 27.99%
Pros
- A 40% or 50% loyalty bonus lifts the 1.5% option to 2.1% or 2.25% back
- 3.3% back on gas and EV charging with even the base 10% loyalty bonus
- Phone, cable, and streaming bills count as utilities at 2%
Cons
- No welcome bonus
- Your earning option can’t be changed after you apply
- Only 1% on other purchases with the 3% and 2% option, half what a flat 2% card pays
- Not offered in California, Iowa, Nevada, New York, Utah, or Vermont, per the latest card survey by the Consumer Financial Protection Bureau
Truist customers should take the 1.5% option if their balances earn a 40% or 50% bonus, and otherwise the 3% and 2% option for gas, groceries, and utilities, paired with a flat 2% card for everything else. For everyone else, a no-fee flat 2% cash back card pays at least as much as the Enjoy Cash on everything but gas.
Learn more about the Truist Enjoy Cash Credit Card or see how it compares to the best cash back credit cards.
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