Truist Enjoy Cash Visa® Credit Card Review
Overview
The Truist Enjoy Cash is, honestly, a weak card. It earns 3% on gas and 2% on utilities and groceries, but those bonuses are limited to a combined $1,000 per month, and there is no meaningful welcome bonus to speak of.
Truist is a Southeast and Mid-Atlantic regional bank, so it is not available everywhere, and even where it is, a widely available cash-back card will beat it easily. It is included here mainly for comparison.
Think twice if: you want strong rewards or a welcome bonus, since the rates are capped and there is no meaningful sign-up offer.
Our 2.5 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 3% on gas and EV charging and 2% on utilities and groceries, but only on a combined $1,000 per month, then 1%, and 1% on everything else, or you can opt for a flat 1.5%. The capped bonuses and modest base rate make it an underwhelming earner next to mainstream cash cards.
| Category | Rate | Notes |
|---|---|---|
| Gas | 3x | Bonus category |
| Groceries | 2x | Bonus category |
| Dining and restaurants | 1x | Base rate |
| Travel | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
The fine print on rates: Earns 3% on gas and EV charging and 2% on utilities and groceries, on a combined $1,000 per month cap, then 1% (or you can choose a flat 1.5%). Truist is a Southeast and Mid-Atlantic regional bank. Weak on welcome bonus.
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
- No annual fee
- 3% on gas and 2% on utilities and groceries
- Option to switch to a flat 1.5%
- Bonus rates capped at $1,000 combined per month
- No meaningful welcome bonus
- Regional bank; mainstream cash cards beat it easily
The welcome bonus
There is no meaningful welcome bonus, which is a real weakness when nearly every competing free card offers a few hundred dollars up front.
Is the annual fee worth it?
There is no annual fee, so the card is free to hold, but that is about the nicest thing to say about it. The weak, capped rewards and missing welcome bonus are the problem, not the cost.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- No meaningful welcome bonus
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 already bank with Truist and just want a simple card tied to your bank, the Enjoy Cash is functional.
For everyone else, a mainstream cash-back card earns more, has no monthly caps on its bonuses, and gives you a real welcome bonus. This one is hard to recommend on its own merits.
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.
