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
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | $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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 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
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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