Truist Enjoy Cash credit card

Truist Enjoy Cash credit card Review

If you're wondering whether Truist Enjoy Cash credit card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 3x.
• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.74% up to 26.74%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Truist Enjoy Cash credit card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Very good credit required. Applicants will typically need a credit score of at least 740 to have good approval odds.

Pros & Cons of Truist Enjoy Cash credit card

The Good

The Bad

0% APR balance transfer intro rate on balance transfers for up to 12 months. 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 17.74% up to 26.74%. No annual fee. Identity Theft Protection. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere Truist Enjoy Cash credit card is accepted. Truist Enjoy Cash credit card reports to multiple credit bureaus.

Higher than average purchase APRs. You need good credit to qualify. Does not offer a signup bonus. Charges a 3% balance transfer fee

Truist Enjoy Cash credit card FAQ

Does Truist Enjoy Cash credit card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 3% for purchases in a bonus category.

Truist Enjoy Cash credit card Rewards

Minimum rewards rate	1x
Max rewards rate	3x
Annual rewards limit	N/A

What are the Truist Enjoy Cash credit card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Truist Enjoy Cash credit card?

This is a charge card and therefore doesn't have a regular APR or interest charges. You must pay your balance in full every month.

What are the fees for Truist Enjoy Cash credit card?

The following fees apply:

• There is no overlimit fee

Truist Enjoy Cash credit card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Initial Program Fee	$
Foreign Transaction Fee	0%
Returned Payment Fee	$0
Late Payment Fee	Starting at up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Truist Enjoy Cash credit card report your account activity to credit bureaus?

Yes, Truist Enjoy Cash credit card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Truist Enjoy Cash credit card

• Visit the Truist Enjoy Cash credit card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.