Truist Enjoy Cash: how to apply and pick your rewards

Compare both options, check pre-qualification and apply

By Luzia Martins
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The Truist Enjoy Cash Visa® Credit Card, formerly the Truist Cash Rewards card, is a no-annual-fee cash back card from Truist Bank. Applying for it involves one decision you can’t undo: choosing how you’ll earn rewards. This guide helps you make that choice, then walks through the application and what to do once you’re approved.

The card at a glance

  • Annual fee: $0
  • Rewards: your choice of 3% on gas and EV charging, 2% on groceries and utilities (up to $1,000 a month combined) and 1% on everything else, or a flat 1.5% on all eligible purchases
  • Intro APR: 0% for 12 months on purchases, and on balance transfers made in the first 90 days
  • APR after the intro period: 18.74% to 27.74% variable
  • Foreign transaction fee: none
  • Penalty APR: none

Terms checked in September 2026 from Truist’s Enjoy Cash disclosure, revised July 1, 2026. Confirm the current terms on Truist’s official website before you apply.

Step 1: Choose your rewards option

Truist asks you to pick your rewards structure when you apply, and you can’t change it later. The right choice depends on how much of your monthly spending goes to gas, groceries and utilities. Here are two examples:

  • If you spend $300 on gas, $500 on groceries and utilities and $500 on everything else each month, Option 1 earns about $24 a month ($9 + $10 + $5), while Option 2 earns $19.50. The tiered option wins.
  • If you spend $100 on gas, $200 on groceries and utilities and $1,200 on everything else, Option 1 earns about $19 ($3 + $4 + $12), while Option 2 earns $22.50. The flat 1.5% wins.

Keep the $1,000 monthly cap in mind: once your combined gas, grocery and utility spending passes $1,000 in a month, those purchases earn 1% for the rest of the month. Also remember that groceries bought at drugstores or convenience stores and gas bought at supermarkets or warehouse clubs earn only 1%.

Step 2: Check if you’re pre-qualified

On Truist’s website, you can check whether you’re pre-qualified for a Truist credit card without affecting your credit. It’s a useful first step before you submit a full application.

Step 3: Apply

  1. On the Enjoy Cash page on Truist’s website, select the Apply now button for the rewards option you’ve chosen. Each option has its own application link.
  2. Enter your personal information, including your name, address, date of birth, Social Security number, employment and income. Truist may also ask to see your driver’s license or other identification.
  3. If you want to transfer a balance, plan to do it within 90 days of opening the account to get the 0% intro rate. Each transfer must be at least $100 and carries a 3% fee ($10 minimum).
  4. Review the rates, fees and card agreement, then submit your application.

By applying, you authorize Truist to obtain your credit reports and verify your employment and income. All credit cards are subject to credit approval.

After you’re approved

Once your card is active, set it up in Truist’s online banking or mobile app, where you can make payments, view statements and redeem rewards. Turn on the customizable card controls for added security, and add the card to your mobile wallet if you use contactless payments.

If you have a Truist checking, savings or money market account, redeem your cash back into that account to get the Loyalty Cash Bonus. Everyone who redeems this way gets at least 10% extra. Customers with certain Truist checking accounts can get 20% to 50%, depending on their combined balances with the bank.

Frequently asked questions

Do I need a Truist bank account to get the card?
No. A Truist deposit account is only needed if you want the Loyalty Cash Bonus, which applies when you redeem your cash back into that account.
Can I switch rewards options later?
No. You choose your rewards option when you apply, and Truist doesn’t allow you to change it afterward.
Can I use the card abroad?
Yes. The Truist Enjoy Cash card has no foreign transaction fees, so you won’t pay extra for purchases made outside the U.S.
What happens if I pay late?
You may be charged a late fee of up to $40. The card has no penalty APR, so a late payment won’t raise your interest rate, but it can still be reported to the credit bureaus and hurt your score.
How much does a cash advance cost?
Cash advances have a 27.74% variable APR and a fee of 4% of each advance, or $10 minimum on advances over $10. It’s an expensive way to get cash, so it’s best avoided.

How to contact Truist

Call Truist at 844-4TRUIST (844-487-8478). For support in Spanish, choose option 9. You can also use the number on the back of your card or reach Truist through online banking and the mobile app.

Our take on the Truist Enjoy Cash card

The Truist Enjoy Cash card rewards you for making a thoughtful choice up front. Estimate your monthly spending in gas, groceries and utilities before you apply, since that decides which rewards option pays more. If you bank with Truist, redeeming into your Truist account adds a bonus on top. And with no foreign transaction fees or penalty APR, the card has fewer costly surprises than many competitors.

The button below takes you to Truist’s official website, where you can check if you’re pre-qualified and apply.

GO TO OFFICIAL WEBSITE

*You will be redirected to Truist’s website*

Editorial Notice: All content published on this website is completely independent and aims to provide clear, useful, and up-to-date information about personal finance. We have no ties to banks, financial institutions or credit card companies. We are not affiliates and do not receive commissions or payments to promote products or services. Our website is monetized exclusively through the advertisements displayed on our pages. This content is for informational purposes only and is not financial advice.

Hi, I’m Luzia, part of the content team at Finvyu. I specialize in providing clear and accessible financial information to help people of all ages manage their money more effectively in everyday life.
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