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.
Rubric: Citi Double Cash leads by None pts. Scores: Truist Enjoy Cash 57.7%, Citi Double Cash 70.3%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Truist Enjoy Cash nets $344/yr, Citi Double Cash nets $461/yr after annual fees. Use your own numbers →
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.
Annual fee $0APR 18.49%–28.74% variableRewards 2% on purchases (1% when you buy + 1% as you pay); 5% total on Citi Travel hotels, cars, attractionsCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · APR up to 28.74% if you carry a balance · Penalty APR up to 29.99%
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 Citi Double Cash?
On VaultRubric's rubric: Citi Double Cash 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.