How to Apply for your Truist Enjoy Cash Credit Card

The Truist Enjoy Cash Credit Card is positioned as a leading cash back solution for consumers in the United States who value flexibility, simplicity, and tangible rewards for their everyday purchases. Issued by Truist, one of the nation’s largest banks, this card combines customizable rewards with top-tier digital features, making it a strong contender among modern no annual fee credit cards.

Designed to appeal to a wide range of users—from busy families managing recurring expenses to young professionals seeking to optimize cash flow—this card allows consumers to directly influence how they earn their rewards at the point of application.

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Those seeking a practical option for gas, groceries, and utilities will find the Truist Enjoy Cash Credit Card particularly compelling. With the ability to earn accelerated cash back rates on essential spending categories, as well as a flat-rate option for those who prefer simplicity, Truist’s offering is tailored to diverse lifestyles.

The absence of an annual fee, combined with a robust mobile app, advanced card security, and no foreign transaction fees, ensures that cardholders extract maximum value from their everyday spending.

Advantages – Key benefits and highlights the Truist Enjoy Cash Credit Card

The Truist Enjoy Cash Credit Card’s primary advantage is choice—at application, you pick between two highly competitive cash back structures. Opt for tiered rewards (up to 3% on gas/EV charging) or a straightforward 1.5% cash back on all purchases.

The card also features a 10%–50% Loyalty Cash Bonus for Truist deposit clients, potentially supercharging your earnings. Add to this a 0% introductory APR for 12 months on both purchases and balance transfers, no annual fee, and no foreign transaction fees, and you have a product uniquely positioned to serve value-driven spenders.

• Flexible rewards structure: Choose the program that best matches your lifestyle at the time of application.
• Loyalty cash bonus: Earn up to a 50% bonus when redeeming cash back to eligible Truist accounts.
• No annual fee and no foreign transaction fee: Maximize your rewards without hidden charges.
• 0% intro APR for 12 months on purchases and balance transfers (3% transfer fee applies).
• Card controls and security: Visa Zero Liability, customizable transaction alerts, and advanced fraud prevention tools.

Detailed rewards program and benefits

Notably, the inclusion of utilities as a bonus category is rare among competitors, making this card especially relevant for those with substantial household recurring bills. These highlighted benefits, paired with digital access and Visa security, elevate the Truist Enjoy Cash above many standard cash back options.

• Two rewards paths:
  • Tiered: 3% cash back on gas/EV charging, 2% on groceries and utilities (up to $1,000/mo on these combined), 1% on all other purchases. Once you exceed the monthly bonus cap, additional spending reverts to 1% for that month.
  • Flat rate: 1.5% cash back across all eligible purchases, with no category restrictions or monthly caps.
• Loyalty cash bonus: Truist clients earn between 10% and 50% extra when redeeming cash back to eligible Truist accounts, the percentage based on account balance and banking relationship tier.

Requirements to apply for the Truist Enjoy Cash Credit Card

To apply, you must be at least 18, a legal U.S. resident with a valid Social Security Number, have a valid government-issued photo ID (such as a driver’s license), and a U.S. address. Your creditworthiness will be evaluated through a credit report, and approval is subject to Truist’s credit standards. There’s no stated minimum credit score requirement, but a good-to-excellent credit profile is recommended. The card is available to new and existing Truist clients—however, to maximize rewards via the Loyalty Cash Bonus, you’ll want a Truist checking or savings account for cash back deposit.

About Truist – The financial institution

Truist Financial Corporation formed in 2019 through the merger of BB&T and SunTrust—two legacy Southeastern banking institutions with more than a century of shared history. Headquartered in Charlotte, NC, Truist is among the top 10 U.S. commercial banks by assets, serving 15+ million clients through thousands of branches and a cutting-edge digital banking suite. Truist offers consumer and business banking, lending, wealth management, investment, and insurance services.

The bank’s mission—inspire and build better lives and communities—translates into a commitment to digital innovation, accessibility, and holistic financial well-being. Truist has invested heavily in technology and inclusive customer engagement, all while maintaining the stability and regulatory oversight found at major U.S. banks (Member FDIC). Truist’s size, market reach, and modern offerings provide clients with a combination of tradition, safety, and contemporary financial solutions.

Who is this card for?

The Truist Enjoy Cash Credit Card is well-suited for moderate-to-heavy spenders eager to earn rewards on both daily purchases and recurring household bills. This includes families with high grocery and utility costs, road commuters, EV drivers, and digital-first professionals who appreciate the option to customize cash back. It’s also appropriate for those seeking a no annual fee credit card from a top U.S. bank, as well as Truist banking clients aiming to deepen their financial relationship and boost rewards via the Loyalty Cash Bonus.

Cash back maximizers, consumers looking for a user-friendly, transparent credit card, and anyone deterred by foreign transaction fees will find this product especially attractive.

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Step-by-step guide to apply for the Truist Enjoy Cash Card

1. Visit the official Truist Enjoy Cash application page.
   • 3% (gas/EV), 2% (groceries/utilities up to $1,000/month), 1% everywhere else
   • Or, a flat 1.5% on all eligible purchasesChoose your preferred cash back structure:
2. Complete the online application with your personal (and, if applicable, financial) information. You may need to upload or enter your Social Security Number, address, income, and employment details.
3. Submit your application for instant approval (in most cases). Decisions can sometimes take longer if additional verification is needed.
4. If approved, review cardholder terms and disclosures. Monitor your mail for the physical card, and set up Truist Online Banking and app access for digital management.
5. Optionally, open a Truist checking or savings account if you wish to maximize the Loyalty Cash Bonus.

Credit limits

Truist does not publish a public range for initial, minimum, or maximum credit limits. Approval and initial line depend on your credit profile, income, and current debt obligations.

Initial lines can be increased in the future via request or automatic review, subject to ongoing credit assessment.

How to activate the card?

Once you receive your Truist Enjoy Cash Credit Card by mail, you can activate it online through truist.com, via the Truist mobile app, or by calling the activation number provided with your card. Online/mobile app activation is recommended for instant digital wallet setup and card controls.

Ensure you enroll in Truist Online Banking to manage your account, view transactions, pay bills, and access rewards.

Pros and cons of the card

Pros:

• Flexible, valuable cash back choice (tiered or flat)
• No annual fee and no foreign transaction fee
• Strong Loyalty Cash Bonus opportunity for Truist clients
• 0% intro APR on purchase/balance transfers (12 months)
• Modern digital banking, mobile app, and card security features

Cons:

• Must choose rewards structure at application and cannot switch later
• Tiered rewards capped at $1,000/month for bonus categories
• High ongoing APR (19.49%–28.49% variable) after promo period
• 3% balance transfer fee ($10 min), 4% cash advance fee
• Limited premium benefits compared to luxury rewards cards

The card’s main drawbacks are the inability to change your cash back option post-approval, and the high after the introductory period. It is best matched to disciplined users who avoid carrying ongoing monthly balances.

Detailed fees and tariffs

• Annual fee: None
• Intro purchase APR: 0% for 12 months, then 19.49–28.49% variable (based on Prime Rate and creditworthiness)
• Balance transfer: 0% for 12 months (on transfers in first 90 days), then 19.49–28.49% variable. Transfer fee: 3% (min $10)
• Cash advance APR: 28.49% variable; cash advance fee 4% (min $10)
• Foreign transaction fee: None
• Late payment fee: Up to $40
• Overlimit/Return payment: None

For complete fee and interest information, see the official disclosure: Truist Enjoy Cash Credit Card Disclosure

Customer service

• Phone: 844-4TRUIST (844-487-8478) — 24/7
• Branch network: Find a branch
• Help center/Live chat: Truist Contact Page

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For more educational resources, tips on building credit, or comparing credit cards, visit: Truist Credit Cards Main Page