Truist Enjoy Cash Visa® Credit Card
A no-annual-fee cash back 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 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 5.8 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 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.
Best ways to earn & redeem
Put your gas and groceries 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
- 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.
First-year value vs ongoing value
| Welcome bonus | No standing welcome bonus |
| To earn it | No minimum spend |
| Est. first-year value* | $395 |
| Est. ongoing value / yr* | $395 |
There is no lump-sum welcome bonus, so first-year and ongoing value are about the same, roughly $395 a year on typical spending after the fee. What you see is what you get from day one.
*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:
- 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.
Alternatives to the Truist Enjoy Cash Visa® Credit Card
Pairs well with
The Truist Enjoy Cash 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
Learn more
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 Cash 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.
