Credit Cards

Truist Enjoy Cash Credit Card review

A card with a lot of cashback is what you will find with the Truist Enjoy Cash Credit Card. Discover all that it has to offer!

Note: Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.

Truist Enjoy Cash Credit Card: Earn cash back and no annual fee!

Want a card with interesting rewards? Then you need to know this Truist Enjoy Cash Credit Card full review. This card option is perfect for those with excellent and good credit scores.

Credit Card

Truist Enjoy Cash

no annual fee intro APR

1 to 3% cashback and no APR fee on purchases for the first year.

You will be redirected to another website

This credit card has no annual fees and gives you a cashback that varies between 1% and 3%, depending on the purchase. Also, you have no associated APR fee for the first year of hire. Know more!

Credit Score: Good to excellent;
Annual Fee: $0;
Regular APR: 0% intro APR for 12 months on purchases. After that, there will be a 18.99% – 27.99% variable APR.
Welcome bonus: No welcome bonus besides the 0% intro APR period;
Rewards: You can choose between 3% cash back on gas purchases at eligible locations, 2% back on utilities and groceries, 1% back on all other purchases, and exchange all previous options for 1.5% cashback on all purchases, unclassified by category.
Terms apply.

How does the Truist Enjoy Cash Credit Card work?

The Truist Enjoy Cash Credit Card, presented in this review, is a person’s best friend with a good and excellent credit score. After all, you can enjoy several benefits without paying an annual fee.

This credit card rewards you 3% on selected gas stations, 2% on groceries and utilities, and 1% on other purchases. Or, you can redeem all those cashback for 1.5% back on any purchase.

Also, you pay no APR fee on purchases for the first year, which is an introductory bonus. Also, after the first year, the APR will vary between 16.99 and 25.99% for purchases.

However, these are relatively low rates.

Truist Enjoy Cash Credit Card pros and cons

women with card — See this card’s pros and cons! Source: Pexels

This Truist Enjoy Cash Credit Card review brings you the main features of this option. It is a credit card with many attractive rewards.

However, it also has some cons, such as the need for a good credit score. Check out!

Pros

Relatively lower APR rates compared to other cards;
0% APR fee on purchases for the first 12 months;
No associated fee for carrying out international transactions;
Comprehensive protection against data and identity theft;
No associated annual fee;
Good payer reports sent to major credit bureaus;
Extensive rewards program for cardholders, with the flexibility to choose what best fits your case.

Cons

To be eligible, you must have a good to excellent credit score;
Balance transfer has an associated fee of 3%;
Redemption options have some caveats that should be looked into under the terms;
You need a good credit history to get approved.

Does my credit score need to be good?

As shown throughout this Truist Enjoy Cash Credit Card review, this card has many benefits and a low APR rate. So, to enjoy this, you need to have a good or excellent credit score.

In other words, your credit score needs to be between 740 and 850 to apply. Also, having a good credit history is important to increase the chances.

Want to apply for the Truist Enjoy Cash Credit Card?

The Truist Enjoy Cash Credit Card is the ideal option for those with good credit scores who want rewards. After all, it offers up to 3% cash back on select purchases and has no associated annual fee.

Credit Card

Truist Enjoy Cash

no annual fee intro APR

1 to 3% cashback and no APR fee on purchases for the first year.

You will be redirected to another website

However, an application must follow the correct steps to be approved quickly. This application can be made online or by app, with some attention to quick feedback. Know more!

Apply online

Applying for the Truist Enjoy Cash Credit Card requires attention and having the right documents. You must have an insurance number, 2 years of address history, and employment and income information.

Also, your account must be kept for inquiries. Furthermore, if you want to insert a co-applicant, you need to call one of the agencies before starting the procedure.

To apply online, you need to have a device with internet access. Next, you need to enter the site and choose which of the two reward options you want.

As we said before, you can choose between a reward package between 1% and 3% or another with 1.5%, regardless of purchase. From this choice, the next steps of the application will be.

Finally, you will need to fill in your personal and financial details and possibly, attach receipts. So wait for your credit analysis which happens quickly, and have an answer.

Apply using the app

You can only apply for this credit card through the official website, And you can check our tips on the topic above to help your application process be easier!

Truist Enjoy Cash Credit Card vs. PenFed Pathfinder® Rewards Visa Signature® Card

Truist Card and PenFed Card — See which card is best for your finances! Source: The Stealth Capitalist

The Truist Enjoy Cash Credit Card is a great option for good and excellent credit scores. But the PenFed Pathfinder® Rewards Visa Signature® Card is also an interesting alternative.

After all, it offers cumulative rewards in points for travel and even 1.5% cashback on some purchases. Check the comparison and choose the best option.