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Truist Enjoy Cash Visa® Credit Card
Truist

Truist Enjoy Cash Visa® Credit Card

A no-annual-fee cash back card from Truist.

Cash back only
Annual fee
No annual fee
Welcome bonus
No standing welcome bonus
Min spend
N/A
Recommended credit
Good (670+)
Network
Visa
Apply on Truist site5.8/10Our rating · review ›

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.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on gas and groceries.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

3% cash back on gas and EV charging
2% cash back on utilities and groceries (combined $1,000 per month cap)
1% on everything else, or opt for a flat 1.5%

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.

Features & benefits

No annual fee
No meaningful welcome bonus

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.

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.

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