Truist Enjoy Beyond Visa® Credit Card
A $95-a-year travel rewards card from Truist.
Rates, fees, and full terms are set by Truist and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
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 6.2 out of 10 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.
Earning rates at a glance
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.
Best ways to earn & redeem
Put your travel and dining spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
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 it worth the annual fee?
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.
First-year value vs ongoing value
| Welcome bonus | 30,000 points |
| To earn it | $1,500 in 90 days |
| Est. first-year value* | $563 |
| Est. ongoing value / yr* | $263 |
The welcome bonus makes year one the high point: roughly $563 in value once you count the bonus, this card’s rewards, and its credits, minus the $95 fee. After that, the honest figure is about $263 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*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, on average spending.
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.
Alternatives to the Truist Enjoy Beyond Visa® Credit Card
Pairs well with
The Truist Enjoy Beyond Visa® Credit Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Truist Enjoy Beyond Visa® Credit Card lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
