Last Updated: 07/28/2025
Truist Enjoy Cash Secured credit card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
23.74%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
23.74%(Verified 06/21/2024)
Credit Score Range
Starting at 750
Annual Fee
$19
Truist Enjoy Cash Secured credit card Review
This is a cashback credit card issued by Truist Financial Corporation. If you're wondering whether Truist Enjoy Cash Secured credit card is the right card for you, read on.
Key Takeaways
- Loyalty Cash Bonus when you redeem your rewards into a Truist deposit account.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 23.74%
- A 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.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Truist Enjoy Cash Secured
| The Good | The Bad |
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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.
| Description |
Does Truist Enjoy Cash Secured have a signup bonus?
Yes. Loyalty Cash Bonus when you redeem your rewards into a Truist deposit account.
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?
Truist Enjoy Cash Secured credit card 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $19.
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 support contact email for Truist Enjoy Cash Secured?
The support contact email for Truist Enjoy Cash Secured is clientresolution@truist.com.
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.
Does Truist Financial Corporation perform a hard credit pull?
Yes, Truist Enjoy Cash Secured 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 Secured
- Visit the website of Truist Enjoy Cash Secured.
- 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
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
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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