How to Apply for your Truist Enjoy Cash Credit Card
The Truist Enjoy Cash Credit Card offers specialized advantages designed to enhance your financial future. Key features include the ability to boost your earnings with a 10%–50% Loyalty Cash Bonus when redeeming rewards into a Truist deposit account. This allows you to maximize the value of your rewards effortlessly. Additionally, the card provides peace of mind through Visa’s zero liability protection, ensuring you are not held responsible for unauthorized transactions.
With the Truist Enjoy Cash card, you have the power to choose how you earn. There are two attractive options to match your spending habits: Option 1 offers 3% cash back on gas and EV charging, 2% on groceries and utilities (up to a $1,000 combined monthly spend limit), and 1% on all other purchases. Alternatively, Option 2 provides a steady 1.5% cash back on all eligible purchases.
Benefits of Truist Enjoy Cash credit card
Flexible Cash Back Rewards
The Truist Enjoy Cash card puts you in control by letting you choose the reward structure that best fits your lifestyle. You can select one of two generous options:
- Option 1 (Flat Rate): Earn an unlimited 1.5% cash back on every purchase, with no spending limits or categories to worry about.
- Option 2 (Category Rewards): Maximize your spending with 3% cash back on gas and EV charging, plus 2% on groceries and utilities (up to a $1,000 combined monthly spend limit). All other qualifying purchases earn a steady 1%.
Note: You must choose your preferred option when you apply, and it cannot be changed later.
Cash Loyalty Bonus
Truist rewards its banking customers with a significant bonus when redeeming rewards into a Truist checking, savings, or money market account. The Loyalty Cash Bonus is tiered based on your combined account balance:
- 50% Bonus: For clients with balances of $100,000 or more.
- 25% Bonus: For balances between $25,000 and $99,999.99.
- 10% Bonus: For balances below $25,000.
No Annual Fee
Enjoy all these premium rewards without the burden of an annual fee. The Truist Enjoy Cash Card allows you to maximize your earnings without any yearly costs, making it a cost-effective choice for everyday spending.
Security and Convenience
- Visa® Zero Liability Protection: Enjoy peace of mind knowing you aren’t held responsible for unauthorized transactions.
- Customizable Card Controls: Set spending limits and receive real-time alerts through the mobile app to keep your account secure.
- Contactless & Mobile Payments: Pay quickly and securely using contactless technology or by linking your card to Apple Pay, Google Pay, or Samsung Pay.
- Visa Signature Benefits: Access additional perks like emergency card replacement, roadside dispatch, and emergency cash disbursement.
Eligibility Criteria of Truist Enjoy Cash Credit Card
To qualify for the Truist Enjoy Cash Credit Card, applicants generally need to meet the following requirements:
- Credit Score: While Truist does not publicly state a minimum score, applicants typically need good to excellent credit (often a FICO score of 670 or higher) for the best chance of approval.
- Residency: You must be a U.S. resident with a valid permanent or temporary address in the United States.
- Identification: As per federal law (USA PATRIOT Act), you must provide legal identification, such as a Social Security Number or Taxpayer Identification Number, along with proof of age and income.
If you value flexibility and want a card that adapts to your spending habits—whether it’s for gas and groceries or a flat rate on everything—the Truist Enjoy Cash Credit Card is an excellent contender for your wallet.
Pros and Cons of Truist Enjoy Cash Credit Card
Pros
- Introductory 0% APR: Enjoy 0% APR on purchases for the first 12 months, and on balance transfers for 12 months (for transfers made within the first 90 days).
- Flexible Rewards Structure: You have the unique ability to choose between a flat 1.5% cashback or a tiered 3%/2%/1% system based on your spending.
- No Foreign Transaction Fees: Save money on international purchases, a rare feature for a no-annual-fee card.
- Loyalty Cash Bonus: Banking with Truist pays off with a 10% to 50% bonus on rewards redemptions.
- No Annual Fee: Earn rewards and enjoy benefits without any yearly costs.
Cons
- Credit Requirements: Typically requires a good to excellent credit score (670+) for approval.
- Fixed Balance Transfer Fee: While there is an intro APR, you will still pay a 3% fee (minimum $10) for each balance transfer.
- Spending Cap on Tiers: The 3% and 2% rewards categories are capped at a combined $1,000 monthly spend.
How To Apply For Truist Enjoy Cash Credit Card
Follow these steps to complete your application for the Truist Enjoy Cash card:
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Visit the Official Website: Go to the Truist Enjoy Cash page.
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Select Your Rewards Option: Choose between the 3%-2%-1% rewards or the flat 1.5% cash back option. (Remember, you cannot change this later!)
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Click “Apply Now”: Press the application button to start the secure process.
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Complete the Form: Fill in your personal details, including your Social Security Number, income information, and residential address.
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Review and Submit: Carefully check your information for accuracy and submit your application.
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Wait for Approval: Truist will review your credit profile. You may receive an instant decision or a notification within a few business days.
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Activate Your Card: Once your card arrives in the mail, follow the instructions to activate it and start earning rewards.
How to Unlock Your Truist Enjoy Cash Credit Card
If you have temporarily locked your card for security or need to re-enable it, follow these steps through Truist Online Banking or the mobile app:
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Log In: Access your account via the Truist online portal or the mobile banking app.
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Navigate to Card Controls: Look for the “Card Services” or “Manage Cards” section in the main menu.
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Select Your Card: Choose your Truist Enjoy Cash Credit Card from the list of accounts.
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Toggle the Lock/Unlock Switch: Locate the status of your card. If it is locked, click the “Unlock Card” button or toggle the switch to the “Off” position.
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Verify Your Identity: Complete any required security steps, such as entering a one-time passcode (OTP) sent to your phone.
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Confirm and Use: Once you receive the confirmation message, your card is ready for immediate use.
Tip: If you are trying to activate a brand-new card for the first time, you can also do it via phone by calling the number on the sticker attached to your card.
What are the fees for Truist Enjoy Cash Credit Card?
Understanding the costs associated with your card is essential for smart financial management. Here is the current fee structure for the Truist Enjoy Cash Credit Card:
- Annual Fee: $0 (No annual fee).
- Late Payment Fee: Up to $40.
- Returned Payment Fee: $0 (None).
- Minimum Interest Charge: $0 (None).
- Foreign Transaction Fee: $0 (None).
- Cash Advance Fee: 4% of each advance or a $10 minimum (for transactions over $10).
- Balance Transfer Fee: 3% of each transfer or a $10 minimum.
- APR for Purchases: 0% intro APR for 12 months; after that, a variable 18.74% – 27.74% based on creditworthiness.
- APR for Balance Transfers: 0% intro APR for the first 12 months (on transfers made within 90 days); after that, a variable 18.74% – 27.74%.
- APR for Cash Advances: 27.74% variable.
Truist Customer Service
Easily reach Truist during service hours:
- Monday to Friday: 8 am to 8 pm ET
- Saturday: 8 am to 5 pm ET
- For 24-hour automated assistance, call 844-4TRUIST (844-487-8478). If you’re outside the U.S., dial +1-910-914-8250.
For support via email, contact [email protected].
About the author
I have a background in Law and Marketing, and I specialise in strategic content creation, branding, and social media. I'm passionate about finance and communication, and I enjoy making complex topics clear, practical, and accessible. I'm communicative, organized, and a big fan of fashion and smart shopping. In my spare time, I love nature, cooking, traveling, and consuming content that inspires me to keep learning and growing.
