What the Truist Enjoy Cash Card Offers

The Truist Enjoy Cash Credit Card is a cash-back rewards card issued by Truist Bank. It returns a flat 1.5% cash back on all purchases with no bonus categories, no annual fee, and no minimum spending requirement to earn rewards. The card is designed for people who want a straightforward rewards structure without rotating categories or spending caps.

Cash back accrues on every dollar you spend and posts to your account monthly. You can redeem it as a statement credit, a deposit to a Truist checking or savings account, or a check. There is no minimum redemption amount, so you can cash out even small balances.

The card carries a variable APR for purchases and balance transfers. The exact rate depends on your creditworthiness and current market conditions. Truist also charges a 3% balance transfer fee if you move a balance from another card.

Key Takeaways

  • The card earns 1.5% cash back on all purchases with no bonus categories, annual fee, or spending caps.
  • Cash back posts monthly and can be redeemed as a statement credit, bank deposit, or check with no minimum amount.
  • The APR varies based on your credit profile and current rates, and balance transfers carry a 3% fee.
  • You can request a credit limit increase after six months of responsible use.

How to Open an Account

You can request the Truist Enjoy Cash Card online through Truist's website, by phone at the number on the back of any Truist card, or in person at a Truist branch. The online process takes about 10 minutes and asks for your name, address, date of birth, Social Security number, and employment information.

Truist will check your credit and give you a decision within minutes in most cases. If approved, your card ships within 7 to 10 business days. You can use the card number for online purchases when ready after approval, even before the physical card arrives.

If you are denied, Truist will tell you why and you can reapply after addressing the issue—usually a low credit score or recent negative marks on your report. Existing Truist customers may see faster approval and can sometimes pick up a card in branch the same day.

Activating Your Card and Setting Up Rewards

When your card arrives, call the number on the back or go online to Truist's website to set up it. You will need the card number and your date of birth. set up is when ready and takes less than a minute.

Rewards begin accruing the moment you make your first purchase. You do not need to register for the rewards program or take any extra steps—the 1.5% cash back is automatic on every transaction. You can track your balance in the Truist mobile app or online banking portal under your card details.

If you want to set up automatic redemptions, you can choose to have cash back deposited to a linked Truist bank account each month. Otherwise, you can redeem manually whenever you want through online banking or by calling customer service.

Understanding Fees and Interest Rates

The Truist Enjoy Cash Card has no annual fee, no foreign transaction fees, and no fees for late payments, over-limit transactions, or returned checks. You only pay interest if you carry a balance from month to month.

The purchase APR is variable and will change if the prime rate changes. Your specific rate depends on your credit score and credit history at the time you open the account. Truist will disclose your APR in the terms and conditions before you submit your request.

If you transfer a balance from another card, Truist charges 3% of the amount transferred, with a minimum of $5. The balance transfer APR may differ from your purchase APR and is also variable. Balance transfers must be requested within 60 days of opening the account.

Paying Your Bill and Managing Your Account

Your statement closes on the same date each month, and your payment is due 21 days later. You can pay online through Truist's website or app, by phone, by mail, or in person at a branch. Truist does not charge a fee for any of these payment methods.

The minimum payment is typically 1% of your balance plus interest and fees, but paying the full statement balance avoids interest charges entirely. You can set up automatic payments from a Truist bank account or an external bank account to may support you never miss a due date.

If you miss a payment, Truist reports it to the credit bureaus after 30 days. Late fees do not explore to this card, but your APR may increase if you have a late payment. You can request a credit limit increase after six months of on-time payments through online banking or by calling customer service.

Comparing This Card to Other Cash-Back Options

The 1.5% flat rate is competitive with other no-annual-fee cash-back cards like the Capital One SavorOne and the Citi Double Cash. The main difference is that some competitors offer slightly higher rates—the Citi Double Cash returns 2% (1% on purchases, 1% on payments)—but require good to excellent credit.

If you have a Truist bank account, this card integrates directly with your online banking and mobile app, making it easier to track spending and redeem rewards. If you do not bank with Truist, you may find more value in a card from your current bank or a card with bonus categories if you spend heavily in specific areas like groceries or gas.

The lack of an annual fee makes this card worth keeping even if you use it infrequently. There is no penalty for low spending, so you can use it for occasional purchases and still earn rewards without paying to hold the card.

What Happens If You Close Your Account

If you close the card, any unredeemed cash back remains in your account and can still be redeemed for up to a certain period—check your cardholder agreement for the exact timeframe. Once the redemption window closes, unredeemed rewards are forfeited.

Closing the card will lower your available credit and may slightly reduce your credit score because it reduces your total credit limit and increases your credit utilization ratio on other cards. The account will remain on your credit report for up to 10 years, which can actually help your score by showing a long history of on-time payments.

If you want to keep the card but stop using it, you can straightforward leave it inactive. There is no annual fee, so there is no cost to holding it. Keeping old accounts open helps your credit score by maintaining a longer average account age.

Frequently Asked Questions

Can I earn cash back on balance transfers?

No. Cash back is earned only on new purchases, not on balance transfers or cash advances. The 3% balance transfer fee also applies upfront, so moving a balance costs you money when ready.

What happens if I miss a payment?

Truist reports missed payments to the credit bureaus after 30 days, which will damage your credit score. There are no late fees on this card, but your APR may increase. Contact Truist when ready if you cannot pay on time to discuss options.

Can I use this card internationally?

Yes. The card works at merchants and ATMs worldwide. There are no foreign transaction fees, so you earn the full 1.5% cash back on purchases made outside the United States.

How do I redeem my cash back?

Log into your Truist online banking or mobile app, go to your card details, and select "Redeem Rewards." You can choose a statement credit, a deposit to a Truist bank account, or a check. There is no minimum redemption amount.

What credit score do I need to get approved?

Truist does not publish a minimum credit score requirement, but the card is generally available to people with good credit (670 and above). If you have fair credit, you may still be approved, but your APR will be higher. Contact Truist directly to discuss your specific situation.