Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Truist Enjoy Cash nets $344/yr, Chase Freedom Flex nets $302/yr after annual fees. Use your own numbers →
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee)APR 18.74%–27.74% variableRewards 1% base; 3% gas (to $12,000/yr); 2% groceries (to $12,000/yr); 2% utilities (to $12,000/yr)Credit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 27.74% if you carry a balance · Late fee up to $40 · Combined $1,000/month cap on bonus categories (we cap each). Alternative: flat 1.5% option chosen at application.
⚠ APR up to 27.99% if you carry a balance · Penalty APR up to 29.99% · Late fee up to $40
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, Truist Enjoy Cash or Chase Freedom Flex?
On VaultRubric's rubric: Chase Freedom Flex scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.