Last Updated: 07/28/2025
Truist Enjoy Beyond credit card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.74% - 26.74%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.74% - 26.74%(Verified 06/21/2024)
Credit Score Range
Starting at 750
Annual Fee
$195
Truist Enjoy Beyond credit card Review
This is a travel card issued by Truist Financial Corporation. If you're wondering whether Truist Enjoy Beyond credit card is the right card for you, read on.
Key Takeaways
- 30,000 bonus points after you spend $1,500 within 90 days of account opening.
- 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%.
- A 3% balance transfer fee. Truist Enjoy Beyond 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.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Truist Enjoy Beyond credit card
| The Good | The Bad |
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Truist Enjoy Beyond credit card FAQ
Does Truist Enjoy Beyond credit card have a cash back or rewards program?
Truist Enjoy Beyond credit card is a travel rewards card.
| Description |
Does Truist Enjoy Beyond credit card have a signup bonus?
Yes. 30,000 bonus points after you spend $1,500 within 90 days of account opening.
Does Truist Enjoy Beyond credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Truist Enjoy Beyond credit card benefits?
Truist Enjoy Beyond credit card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Truist Enjoy Beyond credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Truist Enjoy Beyond credit card has a variable purchase APR that ranges from 17.74% up to 26.74%. The card has a variable balance transfer APR that ranges from 17.74% up to 26.74%. It also has a variable cash advance APR of 26.74% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Truist Enjoy Beyond 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 Beyond 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 Beyond credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $195 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $195.
What is the support contact email for Truist Enjoy Beyond credit card?
The support contact email for Truist Enjoy Beyond credit card is clientresolution@truist.com.
How do people rate the customer service and user experience of Truist Enjoy Beyond credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Truist Enjoy Beyond credit card report your account activity to credit bureaus?
Yes, Truist Enjoy Beyond 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 Beyond 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 Beyond credit card
- Visit the website of Truist Enjoy Beyond 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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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
740 - 850
300
850
Annual Fee
$0
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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