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Truist Enjoy Cash rewards credit cards

Compare Truist Visa® credit cards

Truist Enjoy Cash Visa® Credit Card

Truist Enjoy Cash credit card

Cash Rewards

Earn unlimited rewards. You choose how. Earn 3% cash back on gas and EV charging and 2% on utilities and groceries (with a combined $1,000 monthly spend cap)—and 1% on all other eligible purchases.2 Or choose to earn 1.5% on all eligible purchases.3

No annual fee1

Loyalty Cash Bonus

when redeemed into a Truist deposit account2,3

0% intro APR

on purchases for 12 months
after account opening1

18.49% - 27.49%

variable APR on purchases after intro rate expires1

 

Heads up! You choose the rewards type when you apply, you just can’t change it later.

Earn unlimited rewards your way.

How would you like to earn your rewards? Enjoy Cash lets you choose from two great cash back options when you apply—so you earn what fits your spending habits best.

OPTION 1

3% cash back
on gas and EV charging2
2% cash back
on groceries and utilities2
(up to the combined $1,000 monthly spend cap)
1% cash back
on all other eligible purchases2
Apply now for Truist Enjoy Cash credit card option 1.

See rates, fees & rewards

OPTION 2

See how the Enjoy Cash card works for you.

Key benefits

  • Choose from two ways to earn cash back when applying.
  • No annual fee.1
  • Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account2, 3

Features

  • Customizable card controls for added security.
  • Contactless payments and mobile wallets for faster checkout.
  • Visa® Zero Liability11 protection against unauthorized card use.

Card agreement (PDF)
Visa Traditional card benefits
Visa Signature® card benefits (PDF)

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Credit cards are subject to credit approval.

11 Visa’s Zero Liability Policy does not apply to certain commercial card transactions or any transactions not processed by Visa. Cardholder must use care in protecting the card and notify Truist immediately of any unauthorized use. For specific restrictions, limitations, and other details, please consult your Cardholder Agreement.

12 For complete details, refer to the Truist Deals Terms and Conditions . There is no monthly fee and no charge for enrolling in Truist Deals. Truist Personal Credit Cards, Personal and Business Debit Cards and Money Account cards are eligible for Truist Deals. The Truist Deals Program is separate and independent from any Truist Consumer Credit Card Rewards Program in which you are enrolled related to your Truist Consumer Credit Card Account(s). Any cash back earned through the Truist Deals Program is not eligible for any deposit bonus or other incentives that may be available when you redeem your Truist Consumer Credit Card Rewards. Deals offered through the Truist Deals Program are available apart from any rewards you may earn through any Truist Consumer Credit Card Rewards Program and will not accrue in your Truist Consumer Credit Card Rewards Program account.

Disclosures

Truist Bank, Member FDIC. © 2023 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., and P.J. Robb Variable, LLC., which are SEC registered broker-dealers, members  FINRA SIPC and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC, AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, LLC.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank. Deposit products are offered by Truist Bank.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Truist offers the following resources for consumers that have Limited English Proficiency:

  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

  • Limited English Proficiency Support
  • New York City residents

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

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