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  Truist Enjoy Cash Secured credit card
Truist Enjoy Cash Secured credit card
in Credit Cards from Truist Financial Corporation
Unaffiliated

Truist Enjoy Cash Secured credit card

Unaffiliated
in Credit Cards from Truist Financial Corporation
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Highlights
Purchase APR  (Variable APR) 23.74%
(Verified 03/14/2023)
Balance Transfer APR  (Variable APR) 23.74%
(Verified 03/14/2023)
Credit Score Range Starting at 750
Annual Fee $19

Truist Enjoy Cash Secured credit card Review

This is a cashback card issued by Truist Financial Corporation. If you're wondering whether Truist Enjoy Cash Secured is the right card for you, read on.

Key Takeaways

  • Loyalty Cash Bonus when you redeem your rewards into a Truist deposit account.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 23.74%
  • 3% Balance transfer fee. Truist Enjoy Cash Secured 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 750 to have good approval odds.

Pros & Cons of Truist Enjoy Cash Secured

The Good The Bad
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Charges an annual fee of $19
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

Truist Enjoy Cash Secured FAQ

Does Truist Enjoy Cash Secured 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.

Truist Enjoy Cash Secured Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($)

Does Truist Enjoy Cash Secured have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Truist Enjoy Cash Secured offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Truist Enjoy Cash Secured benefits?

It provides the following benefits:

  • Zero fraud liability

What are the relevant APRs for Truist Enjoy Cash Secured?

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 higher than average regular APRs.

Truist Enjoy Cash Secured credit card has a variable purchase APR of 23.74%. The card has a variable balance transfer APR of 23.74% . 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 Cash Secured have an intro APR offer on balance transfers?

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

Does Truist Enjoy Cash Secured 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 Cash Secured?

The following fees apply:

  • There is no overlimit fee
Truist Enjoy Cash Secured Fees
Fees Amount
Annual Fee $19
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $0
Late Payment Fee up to $40

Does Truist Enjoy Cash Secured 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 Secured?

The Truist Enjoy Cash Secured customer service number is .

What is the support contact email for Truist Enjoy Cash Secured?

The support contact email for Truist Enjoy Cash Secured is clientresolution@truist.com.

What is the Truist Enjoy Cash Secured login page?

You can access the Truist Enjoy Cash Secured login page here.

How do people rate the customer service and user experience of Truist Enjoy Cash Secured?

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

How to apply for Truist Enjoy Cash Secured

  • Visit the Truist Enjoy Cash Secured 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.

Contact

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

Other Services by Truist Financial Corporation

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Auto Loans

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CD Accounts

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Checking Accounts

2 Products

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Truist Bank One Checking Account

Truist Bank Confidence Account

Money Market Accounts

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Home Equity Lines of Credit

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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

Cash Advance Fee Minimum $10
Cash Advance Fee (%) 4%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Annual Fee $19
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 750 -
Credit Card Benefits
  • Fraud Liability
Bonus Offer Loyalty Cash Bonus when you redeem your rewards into a Truist deposit account.
Cash Advance APR (Variable APR) 26.74%
APR Type Variable APR
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 23.74%
(Verified 03/14/2023)
Balance Transfer APR (Variable APR) 23.74%
(Verified 03/14/2023)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Cashback
  • Bonus Offers
Card Network Visa

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