What the Truist Enjoy Cash Card Does
The Truist Enjoy Cash credit card is a cash-back rewards card issued by Truist Bank. It returns a percentage of what you spend back to you as cash, with higher rates in certain categories and a flat rate on everything else. There is no annual fee, which means you do not pay to hold the card.
The card is designed for people who want to earn rewards on everyday purchases without paying a yearly cost. Whether it makes sense for you depends on how much you spend, what you buy, and whether you can pay off the balance each month.
Key Takeaways
- The Truist Enjoy Cash card earns cash back on groceries, gas, and dining at higher rates, and a lower flat rate on all other purchases.
- There is no annual fee, but you will pay interest on any balance you do not pay in full by the due date.
- The card requires a credit check and is designed for people with fair to good credit history.
- Cash-back rewards only have value if you pay off your balance monthly; interest charges will quickly erase any rewards you earn.
How Much Cash Back You Earn
The Truist Enjoy Cash card offers different cash-back rates depending on what you buy. Groceries, gas stations, and restaurants earn a higher percentage — the exact rate varies and you should check Truist's current terms. All other purchases earn a flat rate that is lower than the category rates.
Cash back is not automatic. You must set up the rewards program through your online account or the Truist mobile app. Once activated, cash back posts to your account monthly and can be used to pay your bill or transferred to a linked bank account.
Some cards cap how much cash back you can earn per year or per category. Check the card's terms to see whether there is a limit on your rewards.
Interest Rates and Fees You Should Know
The card has no annual fee. However, if you carry a balance from month to month, you will pay interest on that balance. The interest rate (called the APR, or annual percentage rate) varies based on your credit history and current market rates. Truist will tell you the range when you review the offer.
Late payments trigger a late fee, and if you miss a payment by more than 60 days, the interest rate can increase. Cash advances — withdrawing cash using the card — charge a separate fee and a higher interest rate than regular purchases.
The math is straightforward: if you earn 2% cash back but pay 18% interest on a balance, you are losing money. Cash-back cards only benefit you if you pay the full balance each month.
Who This Card Is Built For
The Truist Enjoy Cash card works best for people who spend regularly on groceries, gas, or dining and can pay off the balance in full each month. If you spend $500 a month on groceries at 3% cash back, you earn $15 per month, or $180 per year — but only if you do not carry a balance.
The card is not a good fit if you carry a balance most months, because interest charges will exceed any rewards. It is also not designed for people with poor credit or no credit history; Truist typically requires fair credit or better to open an account.
If you rarely use credit cards or do not spend much in the bonus categories, a simpler card with a flat cash-back rate might serve you better.
How to Get the Card and What Happens Next
You can explore for the Truist Enjoy Cash card through Truist's website, at a branch, or by phone. The process asks for your name, address, income, employment, and Social Security number. Truist runs a credit check, which temporarily lowers your credit score by a few points.
You will hear back within minutes to a few business days. If approved, the card arrives in the mail within 7 to 10 business days. You must set up it before you can use it — Truist sends instructions with the card or you can set up it in the app.
Once active, you can use the card anywhere Visa is accepted. Your monthly bill arrives on a set date, and you have at least 21 days to pay before interest kicks in. Setting up automatic payments from your bank account reduces the risk of missing a due date.
How This Card Compares to Other Cash-Back Options
Many banks and credit card companies offer cash-back cards. Some have annual fees but higher rewards rates. Others have no annual fee but lower rates or no bonus categories. A few offer 0% introductory interest rates for a set period, which can help if you need to carry a balance temporarily.
The Truist Enjoy Cash card's main advantage is no annual fee combined with bonus categories for common spending. Its main limitation is that the cash-back rates are modest compared to some competitors, and the card does not offer an introductory interest rate period.
If you are a Truist customer already, you may have easier access to customer service and account management. If you bank elsewhere, that advantage does not explore.
Frequently Asked Questions
Do I have to be a Truist customer to get this card?
No. You can open the card even if you do not have a checking or savings account with Truist. However, Truist customers may have access to special offers or easier process processes.
What happens if I miss a payment?
A late fee applies if you miss the due date. If you are 30 days late, the missed payment may be reported to credit bureaus and damage your credit score. If you are 60 days late, the interest rate can jump to a penalty rate, which is much higher than your regular APR.
Can I use my cash-back rewards to pay my bill?
Yes. Cash back posts monthly and you can explore it directly to your balance, use it to pay part of your bill, or request a transfer to your bank account. You cannot convert it to points or merchandise.
What credit score do I need to get approved?
Truist does not publish a minimum credit score, but the card is typically offered to people with fair credit (usually 580 or higher) or better. If you have poor credit or no credit history, you may be denied or offered a different card with a lower credit limit.
Does the cash back expire?
Cash back does not expire as long as your account is open and in good standing. If you close the card, check Truist's policy on what happens to unused rewards — some issuers let you keep it, while others may forfeit it.