USES

Enjoy Cash from Truist Bank Review

Enjoy Cash from Truist Bank — all information about the credit card.

Updated December 04, 2023
Advertiser Disclosure Our Methodology
Truist Enjoy Cash
Apply now
Our Rating:
5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on gas (with a combined $1,000 monthly spend cap).
    • 2% Cash Back on utilities and groceries (with a combined $1,000 monthly spend cap).
    • 1.5% Cash Back on all other purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for 12 months
  • Regular APR:
    18.49% - 27.49% Variable
  • Balance Transfer APR:
    18.49% - 27.49% Variable
Show more

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Truist Bank Enjoy Cash Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3%
Gas
$
2%
Groceries
$
1.5%
All other purchases
$
Calculate
Show less details

All benefits

  • Cash back
    • 3% On gas (with a combined $1,000 monthly spend cap).
    • 2% On utilities and groceries (with a combined $1,000 monthly spend cap).
    • 1.5% On all other purchases.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for 12 months
  • Purchase APR
    • 18.49% - 27.49% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 18.49% - 27.49% Variable
  • APR for Cash Advances
    • 27.49% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on new purchases if you pay your entire balance in full by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 3% of each advance ($10.00 minimum)
  • Fees for Cash Advances
    • 4% of each advance or $10.00 minimum on transactions greater than $10
  • Penalty Fees
    • None
  • Return Payment
    • None
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period on purchases
  • No Foreign Transaction Fee
Cons:
  • No Intro APR period on balance transfers

Features

Classic
Visa
Contactless
  • 0% Intro APR
  • No Annual Fee
  • No foreign transaction fees
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Good Credit
  • Excellent Credit

About the issuer

Truist Bank
Truist Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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    Purchase Intro APR
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See Another Credit Cards in the Bank

Truist Bank Enjoy Cash is an option for those, who need Classic features. With an APR of 18.49% - 27.49% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Truist Bank Enjoy Cash you will get such features as 0% Intro APR, No Annual Fee, No foreign transaction fees, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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