Truist Enjoy Travel Visa® Credit Card Review
Overview
The Truist Enjoy Travel is a weak travel card. It earns just 2x miles on airfare, hotels, and car rentals and 1x on everything else, which is low for a travel card, and its headline perk, a 10% to 50% loyalty bonus, only kicks in based on how much money you keep in Truist deposit accounts.
So the card really rewards being a big Truist banking customer more than it rewards spending, and there is no meaningful welcome bonus. It is here mainly for comparison.
Think twice if: you do not keep large balances at Truist, since the loyalty bonus is where the card's value hides.
Our 5.7 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.
Rewards: how it earns
You earn 2x miles on airfare, hotels, and car rentals and 1x on everything else, with a 10% to 50% loyalty bonus on redemptions tied to your Truist deposit balances. The base earning is weak for a travel card, and the miles are not transferable, so most of the value depends on parking money at Truist.
| Category | Rate | Notes |
|---|---|---|
| Travel | 2x | Bonus category |
| Dining and restaurants | 1x | Base rate |
| Groceries | 1x | Base rate |
| Gas | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
The fine print on rates: Earns just 2x miles on airfare, hotels, and car rentals and 1x elsewhere, with a 10% to 50% loyalty bonus based on how much you keep in Truist deposit accounts. Miles are not transferable. 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
- Loyalty bonus can boost redemptions for big Truist depositors
- Only 2x on travel, 1x on everything else
- Best value depends on large Truist deposit balances
- No meaningful welcome bonus; miles not transferable
The welcome bonus
There is no meaningful welcome bonus, another mark against it when most free travel cards offer a real sign-up incentive.
Is it worth the annual fee?
There is no annual fee, so it is free to hold, but the weak earning and deposit-dependent perk make it hard to justify carrying at all unless you are a serious Truist customer.
First-year value vs ongoing value
| Welcome bonus | 20,000 bonus miles |
| To earn it | $1,500 in 90 days |
| Est. first-year value* | $510 |
| Est. ongoing value / yr* | $310 |
The welcome bonus makes year one the high point: roughly $510 in value once you count the bonus, this card’s rewards, and its credits, minus the no fee. After that, the honest figure is about $310 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:
- 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 keep large balances at Truist and want to squeeze a bit more from them, the loyalty bonus gives this card a narrow use case.
For everyone else, a mainstream travel or 2% card earns more and does not require parking money at one bank. This is a weak card outside that specific niche.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of August 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
