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  Truist Enjoy Travel credit card
Truist Enjoy Travel credit card Unaffiliated

Truist Enjoy Travel credit card

Unaffiliated
Net Recommendation Score 0  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
1 user is unsure
1 user doesn't recommend
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Highlights
Community Rating

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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 650 - 850
Annual Fee $0

Truist Enjoy Travel credit card Review

This is a cashback credit card issued by BB&T. If you're wondering whether Truist Enjoy Travel credit card is the right card for you, read on.

Key Takeaways

  • Signup bonus. Offers a signup bonus of 20000 points after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Truist Enjoy Travel 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.
  • Annual fee waived the first year. Truist Enjoy Travel credit card gives you the chance to have the card for a year without paying the $0 annual fee.
  • 3% Balance transfer fee. Truist Enjoy Travel 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Truist Enjoy Travel credit card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Global Entry/TSA Pre✓®.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Truist Enjoy Travel credit card reports to multiple credit bureaus.
  • Charges a 3% balance transfer fee.

Truist Enjoy Travel credit card FAQ

Does Truist Enjoy Travel 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 2% for purchases in a bonus category.

Truist Enjoy Travel credit card Rewards
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 20000
Signup Bonus Spend Requirement $2000
Signup Bonus Spend Period (months) 3 months
Annual Loyalty Bonus $50

Does Truist Enjoy Travel credit card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.

Does Truist Enjoy Travel credit card offer an annual loyalty bonus?

Yes, it offers cardholders an annual bonus worth up to $50.

What are the Truist Enjoy Travel credit card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

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

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Truist Enjoy Travel credit card has a variable purchase APR that ranges from 15.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 15.49% up to 24.49%. It also has a variable cash advance APR of 24.49% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Truist Enjoy Travel credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Truist Enjoy Travel credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Truist Enjoy Travel credit card?

The following fees apply:

  • There is no overlimit fee
Truist Enjoy Travel credit card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $0
Late Payment Fee $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 Travel 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 Travel credit card?

The Truist Enjoy Travel credit card customer service number is (800) 476-4228.

What is the support contact email for Truist Enjoy Travel credit card?

The support contact email for Truist Enjoy Travel credit card is ClientResolution@Truist.com.

What is the Truist Enjoy Travel credit card login page?

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

How do people rate the customer service and user experience of Truist Enjoy Travel credit card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, Truist Enjoy Travel 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 Travel credit card

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

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 4%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Annual Fee First Year
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 $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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Global Entry / TSA Pre✓®
  • Travel Assistance
Annual Loyalty Bonus $50
Rewards Categories
  • Cash Back on Gas
  • Cash Back on Groceries
  • Cash Back on Utilities
  • Cash Back on Every Purchase
Signup Bonus (points) 20,000
Cash Advance APR (Variable APR) 24.49%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
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)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Zero Percent
Card Network Visa

Truist Enjoy Travel credit card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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