USES

Enjoy Cash Secured from Truist Bank Review

Enjoy Cash Secured from Truist Bank ā€” all information about the credit card.

Updated December 04, 2023
Advertiser Disclosure Our Methodology
Truist Enjoy Cash Secured
Apply now
Our Rating:
4.64 out of 5
scorer
Recommended credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • 3% Cash Back on gas.
    • 2% Cash Back on utilities and groceries (with a combined $1,000 monthly cap).
    • 1% Cash Back on all other eligible purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $19 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    24.49% Variable
  • Balance Transfer APR:
    24.49% Variable
Show more

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Truist Bank Enjoy Cash Secured Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3%
Gas
$
2%
Groceries
$
1%
All other purchases
$
Calculate
Show less details

All benefits

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

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 24.49% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 24.49% 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
    • $19 annually
  • Fees for Balance Transfer
    • $10.00 or 3% of the amount of the transfer, whichever is greater
  • Fees for Cash Advances
    • $10.00 or 4% of the amount of each advance, whichever is greater
  • Return Payment
    • None
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Foreign Transaction Fee
Cons:
  • Annual Fee
  • High APR
  • No Intro APR period

Features

Classic
Visa
Contactless
  • No foreign transaction fees
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Poor Credit
  • Fair 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

Compare with other cards

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Upgrade Cash Rewards VisaĀ®
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4.35 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 1.5%
    Cash Back on payments.
  • None
    Purchase Intro APR
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On Upgradeā€˜s website
18 year old
Gold PreferredĀ® Secured VisaĀ® Applied Bank
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4.23 out of 5
Recommended credit score
score
No Credit History to Poor (0-579)
  • $48
    Annual Fee
  • 9.99%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
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On Applied BankĀ®ā€˜s site
Unsecured
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Recommended credit score
score
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    Annual Fee
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    Regular APR
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    Purchase Intro APR
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See Another Credit Cards in the Bank

Truist Bank Enjoy Cash Secured is an option for those, who need Classic features. With an APR of 24.49% and $19 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have No Credit History to Fair (0-669) credit score. With Truist Bank Enjoy Cash Secured you will get such features as No foreign transaction fees, Cashback, Payment Flexibility, 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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    Purchase Intro APR
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