VisaTruist Enjoy Cash
Pick 3-2-1 categories or flat 1.5%, but choose carefully because it is permanent.
Welcome Bonus
None
No welcome offer
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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 3xGas and EV charging
- 2xUtilities and groceries
- 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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