The Truist Enjoy Cash Credit Card provides special advantages to improve your financial future. With features include the ability to redeem cash back into a Truist deposit account through the Loyalty Cash Bonus. A 10%–50% Loyalty Cash Bonus is yours to obtain. You may increase the worth of your awards and take advantage of extra benefits. In addition, the card’s zero liability protection offers comfort. It guarantees that your card information won’t be used for unauthorized transactions.


Truist Enjoy Cash Credit Card

You hold the ability to earn rewards with the Truist Enjoy Cash credit card. You have two desirable alternatives to customize your incentives to match your lifestyle. In option 1, you can get an amazing 3% cashback on gas and EV charging, plus 2% on groceries and utilities (up to a $1,000 monthly spend limit) and 1% on all other qualifying purchases. In option 2, you earn 1,5% cash back on all eligible purchases.


Benefits of Truist Enjoy Cash credit card

Flexible Cash Back Rewards

Get endless rewards with Truist Enjoy Cash credit card. Enjoy a generous 1.5% cash back on every single purchase, without any spending limits holding you back.

But wait, there’s more! Fill up your tank with 3% cash back on gas and stock up your kitchen with 2% back on groceries and utilities, up to $1,000 in monthly spending. And for everything else, still earn a sweet 1% cash back. Choosing the right option is as easy as pie!

Cash Loyalty Bonus When You Redeem

Truist generously rewards its loyal customers with a cash bonus when they choose to redeem their rewards. Which includes checking, savings, and money market accounts. The bonus received depends on the combined Truist account balance, categorized into tiers ranging from 10% to 50%.


For those with balances totaling $100,000 or more, they can relish a substantial 50% loyalty bonus. Individuals holding balances between $25,000 and $99,999.99 are entitled to a 25% bonus. While those with balances below $25,000 receive a commendable 10% bonus.

No Annual Fee

The Truist Enjoy Cash Card offers cash back rewards without burdening you with an annual fee. This allows you to fully capitalize on the card’s benefits and maximize your earnings without any costs annually.

The Truist Bank Enjoy Cash Credit Card may benefit individuals who are looking for a cash back rewards with flexible redemption options.

Visa Zero Liability Protection

The Truist Enjoy Cash credit card Zero Liability policy provides peace of mind by protecting you from illegal transactions.

Customizable Card Controls

Customize your card’s security settings, which allow you to establish spending restrictions and receive warnings for certain transactions.

Contactless payments

Enjoy the ease of contactless payments for quick and secure transactions at participating merchants.

Mobile Wallet Compatibility

Simply link your card to mobile wallet apps such as Apple Pay, Google Pay, or Samsung Pay for increased convenience and security.

Visa benefits

Also you can enjoy additional benefits provided by Visa, like emergency card replacement within 24 to 72 hours, emergency cash disbursement, roadside dispatch, etc. See more perks here.

Eligibility Criteria of Truist Enjoy Cash Credit Card

The eligibility criteria for the Truist Enjoy Cash Credit Card generally include:

  • Good Credit Score: Applicants typically need a credit score of 670 or higher to qualify for the card.
  • Residency Status: You must be a permanent or temporary resident of the USA to apply.

Moreover, if you’re someone who values flexibility in cash back rewards, the Truist Enjoy Cash Credit Card might be the perfect fit for you.


Pros and Cons of Truist Enjoy Cash Credit Card


  • 0% APR on purchases during the first 12 months.
  • No foreign transaction fees
  • Loyalty Cash Bonus
  • Earn rewards on purchases everywhere the Truist Enjoy Cash credit card is accepted.


  • Requires a good credit score to qualify.
  • Charges a balance transfer fee of up to 3%.

How To Apply For Truist Enjoy Cash Credit Card

See below how to apply for the Truist Enjoy Cash Secured Credit Card:

  1. Visit the Truist website and go to the Truist Enjoy Cash page.
  2. Press the button “Apply Now” to proceed with your application
  3. Fill out the application form with the information needed to apply
  4. Review the information given before submit
  5. Submit your application form
  6. Wait for approval
  7. Receive your card and activate it to start using.

How To Unlock Truist Enjoy Cash Credit Card?

To unlock your Truist Enjoy Cash Credit Card:

  1. Log in to your online banking.
  2. Find “Card Services” or “Manage Cards.”
  3. Select your locked card.
  4. Click “Unlock Card.”
  5. Follow any security steps.
  6. Confirm the request
  7. Wait for confirmation.
  8. Begin to use your Truist Enjoy Cash Credit Card

What are the fees for Truist Enjoy Cash Credit Card?

Here are the fees for the Truist Enjoy Cash Credit Card:

  • Return payment fee: $0
  • Minimum interest charge: $0
  • Annual fee: $0
  • Late payment fee: up to $40.
  • Cash advance fee: 4% of each advance or $10 minimum on transactions greater than $10
  • APR for balance transfers: 18.49% to 27.49%
  • APR for cash advances: 27.49%

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].