Surge® Platinum Mastercard® vs Truist Enjoy Beyond Visa® Credit Card
Side-by-side comparison
| Surge® Platinum Mastercard® | Truist Enjoy Beyond Visa® Credit Card | |
|---|---|---|
| Annual fee | $96 | $95 |
| Welcome offer | No current offer | 30,000 points |
| Dining | 1x | 2x |
| Groceries | 1x | 1x |
| Gas | 1x | 1x |
| Travel | 1x | 3x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $292 | $358 |
| Points type | Cash back only | Cash back only |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Surge® Platinum Mastercard® | Truist Enjoy Beyond Visa® Credit Card |
|---|---|---|
| Welcome bonus | None | 30,000 points |
| To earn it | No minimum spend | $1,500 in 90 days |
| Est. first-year value* | $196 | $563 |
| Est. ongoing value / yr* | $196 | $263 |
The Truist Enjoy Beyond Visa® Credit Card wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Surge® Platinum Mastercard® | Truist Enjoy Beyond Visa® Credit Card |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Cash back only | Cash back only |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Surge® Platinum Mastercard® earns about $292 a year in rewards and the Truist Enjoy Beyond Visa® Credit Card about $358, valuing every point at a flat 1 cent. The Surge® Platinum Mastercard® charges $96, which you clear through its rewards and perks. The Truist Enjoy Beyond Visa® Credit Card charges $95, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Truist Enjoy Beyond Visa® Credit Card delivers more total value, about $67 a year more for a typical spender, mostly because it earns more where you spend most, on travel and dining. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Truist Enjoy Beyond Visa® Credit Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Truist Enjoy Beyond Visa® Credit Card if your spending leans toward dining, travel.