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Truist Enjoy Cash Credit Card full review: should you get it?

Meet the Truist Enjoy Cash Credit Card, the card that lets you choose which rewards program you prefer. See this review to understand more!

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Truist Enjoy Cash Credit Card: get up to 3% cashback with no annual fee

Truist Enjoy Cash Credit Card
Learn all about the Truist Enjoy Cash Credit Card. Source: Truist

Indeed, the Truist Enjoy Cash credit card is a fantastic card option for anyone looking for a good cashback program.

Truist logo

Truist Enjoy Cash Credit Card: check out how to apply!

Learn how to apply for the Truist Enjoy Cash Credit Card, which multiplies rewards, subtracts fees, and offers a 0% intro APR!

Have you ever thought about being able to choose the most advantageous rewards program for you? Now you can! See below:

Credit ScoreGood (650 or higher);
Annual Fee$0;
Regular APR0% intro APR on purchases in the first 12 months. After, between 16.24% to 25.24% (variable);
Welcome bonusNone;
Rewards3% cash back on gas, 2% on groceries and utilities (reward limited to $1,000 combined monthly);

1% on all other eligible purchases or 1.5% on all purchases.

Truist Enjoy Cash Credit Card: learn more about this financial product

In fact, this is one of the few cards that allows the customer to choose what type of rewards program they want.

1.5% on all eligible purchases or a program that leverages gains on expenses like gas and groceries? You choose.

To do this, simply redeem your rewards to your personal Truist account balance (this is a loyalty bonus).

Also, this card has an excellent 0% intro APR period for purchases: of 12 months. Ideal for those who want to make high-value purchases. Another great advantage of this card is the absence of fees.

Penalty APR, Minimum Interest Charge, Annual Fee, Foreign Transaction, Overlimit Fee, and Return Payment Fee. None of these fees are charged.

Finally, this card exempts its customers from liability in the event of fraud.

Truist Enjoy Cash Credit Card features

violet credit card over notebook/laptop
Learn more about the card’s pros and cons. Source: Pixabay

Indeed, this card is attention-grabbing because it offers a “customer-friendly” rewards program.

However, there are other details you need to know about this card before applying for it. For a better understanding, see the lists below:

What are the benefits? 

  • One year without worrying about interest (12 months of 0% intro APR for purchases);
  • No annual fee, no foreign transfer fee;
  • Possibility to choose between two models of reward programs, the one that best suits your consumption pattern.

And what are the drawbacks?

  • Once chosen, your rewards program template cannot be changed;
  • The 0% intro APR period does not cover balance transfers;
  • No welcome bonus;
  • You will need at least a good credit score to stand a chance of being accepted.

What credit score do you need to get the Truist Enjoy Cash Credit Card?

We recommend a good credit score to increase your chances of being approved for this card. So, it is important that you have at least 650 points.

How does the Truist Enjoy Cash Card application process work?

You can apply for this card in a fully online application. To find out how to apply, read our post below!

Truist logo

Truist Enjoy Cash Credit Card: check out how to apply!

Learn how to apply for the Truist Enjoy Cash Credit Card, which multiplies rewards, subtracts fees, and offers a 0% intro APR!

About the author  /  José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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