The Truist Enjoy Cash Credit Card stands out among reward credit cards, offering strong cash back incentives. Cardholders can choose a 3% return on gas and EV charging, 2% on groceries and utilities (capped at $1,000 each month), and 1% on all other eligible purchases. Alternatively, you can opt for a simple 1.5% cash back on every purchase, boosting rewards from everyday spending.

This offer includes a $0 annual fee and features a 0% introductory APR on purchases for 12 months, along with the same intro rate for balance transfers completed within the first 90 days. After the introductory period, a variable APR between 19.49% and 28.49% applies, with a 3% balance transfer fee (minimum $10).

Key terms include that once you choose a cash back structure at the time of application, you cannot change it later. Therefore, it is important to carefully consider your spending habits when selecting your reward type.

How to Apply for the Truist Enjoy Cash Credit Card

Applying for the Truist Enjoy Cash Credit Card is straightforward. First, visit the application portal and provide your personal information, such as name, address, and income details.

Next, select the cash back structure that aligns best with your lifestyle—either the tiered 3%-2%-1% structure or a simple 1.5% cash back on all purchases. Submit your application and consent to the terms and conditions.

Following a credit check and review, you will receive a decision promptly. If approved, you may be asked to verify additional information or complete a final confirmation step.

Once your card arrives, activate it and set up your account preferences. Then, start enjoying cash back rewards from your first purchase.

Key Advantages of the Truist Enjoy Cash Credit Card

The card’s competitive cash back rates are its strongest feature. With no annual fee, rewards can really add up for regular spenders, especially on gas, groceries, and utilities.

The introductory 0% APR for purchases and balance transfers offers flexibility and a head start when managing larger expenses. The absence of an annual fee adds further value for ongoing users.

Main Drawbacks to Consider

One disadvantage is the limitation on changing your cash back selection. Cardholders are locked into their chosen reward structure and cannot adjust it in the future.

Additionally, the 2% category for groceries and utilities is capped at $1,000 each month. Spenders who regularly surpass this cap will earn lower rewards on their excess purchases.

Final Verdict

Overall, the Truist Enjoy Cash Credit Card is a strong contender for consumers seeking flexible and generous cash back rewards. Its lack of an annual fee and introductory APR make it attractive for those looking to optimize daily spending.

If your purchases fit the card’s top categories and you prefer straightforward rewards, this offer could be an excellent fit for your wallet.