Truist Enjoy Beyond Visa® Credit Card Review
Overview
The Truist Enjoy Beyond is the best of Truist's three cards, which is not saying a lot. For a $95 fee you get 3x on travel, 2x on dining, a $100 travel-experience credit, and a Global Entry credit, plus a decent welcome bonus.
It is a serviceable premium card, but the points are fixed-value and not transferable, the earning outside travel is thin, and, like the other Truist cards, some of its value leans on your Truist deposit relationship. For most people, a mainstream travel card at the same price does more.
Think twice if: you want transferable points or strong everyday earning, since the points are locked to a penny and the non-travel rates are low.
Our 3.0 out of 5 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
You earn 3x on airfare, hotels, and car rentals, 2x on dining, and 1x on everything else. The travel and dining rates are fine, but the points are worth about a cent and do not transfer, so there is no upside beyond face value, and the 1x base is weak.
| Category | Rate | Notes |
|---|---|---|
| Travel | 3x | Bonus category |
| Dining and restaurants | 2x | Bonus category |
| Groceries | 1x | Base rate |
| Gas | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
The fine print on rates: Truist's premium card at $95, with 3x travel and 2x dining, a $100 travel-experience credit, and a Global Entry credit; but the points are worth about a cent, are not transferable, and lean on your Truist deposit relationship for extra value.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- 3x on travel and 2x on dining
- $100 travel credit and Global Entry credit offset much of the fee
- Decent 30,000-point welcome bonus
- Points are fixed-value and not transferable
- Weak 1x earning outside travel and dining
- $95 fee; a mainstream travel card does more
The welcome bonus
The welcome is decent: 30,000 points after $1,500 in 90 days, a reasonable haul for a $95 card, and the easiest sign-up of the Truist lineup.
Is the annual fee worth it?
The $95 fee is partly offset by a $100 travel-experience credit and a Global Entry credit, so if you use them, the effective cost is low. But the fixed-value points and thin non-travel earning mean a mainstream travel card at the same fee generally delivers more.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- 30,000-point welcome bonus after $1,500 in 90 days
- Up to $100 annual travel-experience credit and a Global Entry or TSA PreCheck credit
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you bank with Truist and will use the travel credit and Global Entry perk, the Enjoy Beyond is an acceptable premium card, the credits offset much of the fee, and the welcome bonus helps.
But if you are choosing purely on value, a transferable-points travel card at $95 earns more flexible rewards. This is the strongest Truist card, but that is a low bar.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of July 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
