SuperMoney
  Truist Enjoy Cash credit card
Truist Enjoy Cash credit card Unaffiliated

Truist Enjoy Cash credit card

Unaffiliated
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
Chime secured Credit Builder Visa® Credit Card 14 reviews
Highlights
Purchase APR  (Variable APR) 15.49% - 24.49%
(Verified 08/18/2022)
Balance Transfer APR  (Variable APR) 15.49% - 24.49%
(Verified 08/18/2022)
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% 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.
  • Competitive APRs. Truist Enjoy Cash credit card has a variable purchase APR that ranges from 15.49% up to 24.49%.
  • 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.
  • Gas rewards. Up to 3% cashback on eligible fuel purchases.
  • 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
  • Potentially lower than average purchase APRs.
  • 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 15.49% up to 24.49%.
  • No annual fee.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Truist Enjoy Cash credit card reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

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
Signup Bonus ($) N/A

Does Truist Enjoy Cash credit card have a signup bonus?

This card doesn't offer a cash signup bonus.

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?

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
Foreign Transaction Fee 0%
Returned Payment Fee $0
Late Payment Fee 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 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 customer service phone number for Truist Enjoy Cash credit card?

The Truist Enjoy Cash credit card customer service number is (336) 733-3300.

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.

What is the Truist Enjoy Cash credit card login page?

You can access the Truist Enjoy Cash credit card login page here.

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 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.

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 0%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $0
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 740 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Bonus Offer Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account.
Rewards Categories
  • Up to 3% Cash Back on Gas up to $1000 monthly
  • Up to 2% Cash Back on Groceries up to $1000 monthly
  • Up to 2% Cash Back on Utilities up to $1000 monthly
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 24.49%
APR Type Variable APR
Balance Computation Average Daily Balance (including new transactions)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 15.49% - 24.49%
(Verified 08/18/2022)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 15.49% - 24.49%
(Verified 08/18/2022)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Gas
  • Bonus Offers
  • Charge Card
Card Network Visa

Be the first to rate

 

Would you recommend Truist Enjoy Cash credit card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

BB&T Credit Cards

Loading...