Truist Enjoy Cash
By Alex Compton · Last verified
Pick 3-2-1 categories or flat 1.5%, but choose carefully because it is permanent.
Welcome Bonus
None
No welcome offer; 0% intro APR for 12 months on purchases and on balance transfers made in the first 90 days
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer; 0% intro APR for 12 months on purchases and on balance transfers made in the first 90 days | Truist Enjoy Cash product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2024-01 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
3-2-1 or 1.5% options, $1,000 monthly cap, loyalty bonus 10-50%, 0% intro 12 months, $0 fee, 3% FTF, no welcome offer confirmed
Truist Enjoy Cash product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 3xGas and EV charging
- 2xUtilities and groceries3-2-1 structure caps 2% and 3% earn at $1,000 combined spend per month; flat 1.5% option available instead
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Loyalty Cash Bonus of 10% to 50% when redeeming into a Truist deposit account
- ✦0% intro APR for 12 months
Why it earns its spot
- +2% on utilities is genuinely uncommon
- +Deposit relationship can boost effective earn up to 4.5% on gas
Where it costs you
- −$1,000 monthly cap strangles the bonus categories
- −Earning structure is locked at application and cannot be changed
- −No welcome bonus
The Compound Verdict
The loyalty bonus is the whole story: a Truist Premier client redeeming into checking turns 3% gas into 4.5%. Without that relationship the caps and missing bonus make this an easy pass.
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