Credit Cards
Truist Enjoy Cash Secured Card Review: $0 annual fee
Find out if the Truist Enjoy Cash Secured Credit Card is the right option for you! Enjoy Visa® Zero Liability protection and earn point on purchases! Read on!
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Truist Enjoy Cash Secured Credit Card: Up to 3% cash back on purchases

After reading this review, you’ll find out if the Truist Enjoy Cash Secured Credit Card is worth applying for. Get all the facts without researching.
Furthermore, we’ll look at this credit card’s features and benefits. Find out what makes the Truist Enjoy Cash Secured Credit Card a great option!
- Credit Score: All types of credit scores are accepted;
- Annual fee: $0.
- Regular APR: 26.99% variable APR on purchases and balance transfers;
- Welcome bonus: 10% to 50% Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into an eligible Truist deposit account.
- Rewards: 3% cashback on gas-related purchases, 2% cashback on food stores and public services payments, and 1% money back on any other type of purchase.
How does the Truist Enjoy Cash Secured Credit Card work?
This review brings up the Truist Enjoy Cash Secured Credit Card. It works by offering cash back on many of your everyday purchases.
Thus, it gives users 3% cash back on gas, 2% on utilities and groceries, and 1% on all other eligible purchases.
There is no annual fee with this card, balance transfer fees of up to $10 or 3%, and cash advances.
Other notable features include Visa® Zero Liability, customized card controls for additional security, EMV chip technology, and contactless payments.
Plus, cardholders can enjoy mobile wallets like Apple Pay and Google Pay. With no foreign transaction fees, this card could be perfect for anyone looking for the great value in their next credit card.
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Truist Enjoy Cash Secured Credit Card pros and cons

Truist’s Enjoy Cash Secured Credit Card offers a great way to build or rebuild your credit. However, it can have some downsides too.
For starters, the fee for this card is higher than many other secured cards, potentially turning away potential applicants.
When evaluating this card, weighing its pros and cons before deciding is important. Then check out!
Pros
- Excellent cashback on selected purchases;
- Credit increase with punctual payments;
- All types of credit scores are accepted;
- There are no extra rates for foreign transactions.
- No annual fee.
Cons
- No introduction offers;
- Relatively high APR rate;
- Fee up to $ 40 for late payments.
Does my credit score need to be good?
Truist Enjoy Cash Secured Credit Card is a very democratic card. After all, all types of credit scores are accepted, and you can enjoy the benefits.
Want to apply for the Truist Enjoy Cash Secured Credit Card?
Are you looking for ways to build credit or increase financial literacy? Then you might want to apply for the Truist Enjoy Cash Secured Credit Card.
This secured card is designed with the purpose of helping members build their credit and financial skills without a lot of risks. Learn more in the post below.
Apply online
Applying for the Truist Enjoy Cash Secured Card can be a simple process that takes only a few minutes.
Along with your personal and contact information, including your SSN, you’ll also need to provide your financial information.
After completing the application form with the necessary details, you may be approved for up to $1,000 online.
However, if you apply in person at a local branch, then there may be an even higher maximum credit limit available.
When applying in person, you must also open and fund a Secured Savings Account with at least $400 or up to the amount of your approval.
Apply using the app

To apply for Truist Enjoy Cash Secured Card, access the official website or an agency.
After all, the app serves only to keep up with its expenses. Therefore, follow the same steps as an online application.
Truist Enjoy Cash Secured Card vs. Petal® 2 “Cash Back, No Fees” Visa® Card
Truist Enjoy Cash Secured Credit Card can be a great choice if you need to build credit. It can be used anywhere Visa is accepted and offers an excellent reward program!
On the other hand, the Petal® 2 “Cash Back, No Fees” Visa® Card rewards customers with up to 1.5% cash back on all purchases.
This card is ideal for individuals with good-to-excellent credit who want to maximize their earning potential from everyday purchases.
Do you want to learn more? Then check out our comparison and choice your best card!
Truist Enjoy Cash Secured Card
- Credit Score: All types of credit scores are accepted;
- Annual Fee: $0;
- Regular APR: 26.99% variable APR on purchases and balance transfers;
- Welcome bonus: 10% to 50% Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into an eligible Truist deposit account.
- Rewards: 3% cashback on gas-related purchases, 2% cashback on food stores and public services payments, and 1% money back on any other type of purchase.
Petal® 2 “Cash Back, No Fees” Visa® Card
- Credit Score: Average/excellent;
- Annual Fee: $0;
- Regular APR: 17.49%–31.49% variable;
- Welcome bonus: N/A;
- Rewards: 1%–1.5% cashback on eligible purchases;
- Terms apply.
Now you know how to apply for Truist Enjoy Cash Secred Card. However, Petal® 2 “Cash Back at Fees” Visa® Card is an interesting alternative. See how you can apply for it!
Petal® 2 Visa® Credit Card Review
If you need a card with no fees and great perks, read on to learn how to apply for the Petal® 2 “Cash Back, No Fees” Visa® Credit Card!
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