Last Updated: 05/14/2026
Truist Enjoy Cash credit card
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Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
17.74% - 26.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
17.74% - 26.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
740 - 850
Annual Fee
$0
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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 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 12 months.
- Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- A 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.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Truist Enjoy Cash credit card
| The Good | The Bad |
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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.
| Description |
Does Truist Enjoy Cash credit card have a signup bonus?
Yes. Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account.
Does Truist Enjoy Cash credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Truist Enjoy Cash credit card benefits?
Truist Enjoy Cash credit card 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the support contact email for Truist Enjoy Cash credit card?
The support contact email for Truist Enjoy Cash credit card is clientresolution@truist.com.
How do people rate the customer service and user experience of Truist Enjoy Cash credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Truist Enjoy Cash credit card report your account activity to credit bureaus?
Yes, Truist Enjoy Cash credit card reports to the following credit bureaus:
- 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 build your credit.
Does Truist Financial Corporation perform a hard credit pull?
Yes, Truist Enjoy Cash credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Truist Enjoy Cash credit card
- Visit the website of Truist Enjoy Cash credit card.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 8:00PM
Tuesday
8:00AM - 8:00PM
Wednesday
8:00AM - 8:00PM
Thursday
8:00AM - 8:00PM
Friday
8:00AM - 8:00PM
Saturday
8:00AM - 5:00PM
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Other Credit Cards from Truist Financial Corporation
Rating not yet determined
Purchase APR
17.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
17.74% - 26.74%
Disclaimer popup with additional information
Credit Score Range
Starting at 750
Annual Fee
$195
Rating not yet determined
Purchase APR
23.74%
Disclaimer popup with additional information
Balance Transfer APR
23.74%
Disclaimer popup with additional information
Credit Score Range
Starting at 750
Annual Fee
$19
Rating not yet determined
Purchase APR
15.74% - 24.74%
Disclaimer popup with additional information
Balance Transfer APR
15.74% - 24.74%
Disclaimer popup with additional information
Credit Score Range
Starting at 750
Annual Fee
$0
Rating not yet determined
Purchase APR
17.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
17.74% - 26.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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