Truist Enjoy Cash
Truist · Visa · no annual fee · earns cash back.
Rates checked against the issuer 2026-10. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $398, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $398 a year on the illustrative household's spending, which puts it number 27 of 46 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Gas Stations, EV Charging | 3% | Up to $1,000 per month, then the base rate · Gas and EV charging — the $1,000 monthly cap is shared with the 2% tier |
| Groceries, Utilities, Phone & Internet, Streaming | 2% | Up to $1,000 per month, then the base rate · Grocery stores and utilities, including phone, cable and streaming — the $1,000 monthly cap is shared with the 3% tier |
| Everything else | 1% |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $120 |
| Everything Else | $60 |
| Gas Stations | $54 |
| Restaurants & Bars | $36 |
| Utilities | $36 |
| Phone & Internet | $29 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- Chosen at application instead of a flat 1.5% on everything, and cannot be changed later
- 10% to 50% more when cash back is redeemed into a Truist deposit account, depending on balances
- No foreign transaction fees
Similar cards
- Wells Fargo Active Cash — annual fee none
- U.S. Bank Altitude Connect — annual fee none
- U.S. Bank Altitude Go — annual fee none
- Amazon Visa — annual fee none
- Every cash back card, ranked
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.