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Truist Enjoy Cash: terms, score and downsides

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 score 57.7% across 78 cards (limited data). Issuer page ↗

Downsides first

• 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.

Terms & fees

• IssuerTruist
• Typecash back
• Annual fee$0 (CFPB TCCP; issuer page did not render a clear fee) files.consumerfinance.gov, 2025-12-31
• Regular purchase APR18.74%–27.74% variable files.consumerfinance.gov, 2025-12-31
• Rewards1% base; 3% gas (to $12,000/yr); 2% groceries (to $12,000/yr); 2% utilities (to $12,000/yr) truist.com, 2026-10-12
• Sign-up bonus (≈$)not found truist.com, 2026-10-12
• Intro APRnone 0% intro APR for 12 months on balance transfers made in the first 90 days truist.com, 2026-10-12
• Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
• Penalty APRnot found consumerfinance.gov, 2026-10-12
• Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
• Balance transfer fee3% files.consumerfinance.gov, 2025-12-31
• Cash advance fee4% files.consumerfinance.gov, 2025-12-31
• Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
• Grace period25 days files.consumerfinance.gov, 2025-12-31
• Cash advance APR27.74% files.consumerfinance.gov, 2025-12-31

Complaint record (CFPB)

• Complaints, last 12 months5,738
• Trend▲ 18.2% (last 12 mo 5,738 vs prior 12 mo 4,855)
• Timely response (last 36 mo)99.9%
• Per $1B deposits (12 mo)13.69
• Top issueManaging an account
• Insurance statusFDIC-insured: Truist Bank (cert 9846, active; deposits $419.2B as of 06/30/2026)

Company-level (TRUIST FINANCIAL CORPORATION), all products, as of 2026-10-12. Truist (LightStream) complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 10.0/10Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee) (as of 2025-12-31). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 5.0/10Base 1% on everything, top category 3% (as of 2026-10-12; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 1% base; 3% gas (to $12,000/yr); 2% groceries (to $12,000/yr); 2% utilities (to $12,000/yr)
• Sign-up bonus n/a/10not found — unknown, scored 2.7/10 (lower of neutral 5 and comparison median)
• Intro 0% APR 0.0/100% intro APR for 12 months on balance transfers made in the first 90 days (as of 2026-10-12). Score = months/21×10.
• Regular APR 7.7/1018.74%–27.74% variable; CFPB TCCP range (as of 2025-12-31); midpoint 23.24%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee 10.0/10No foreign transaction fee (as of 2025-12-31).
• Regulatory record (CFPB) n/a/10not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median)

0.143×10.0 + 0.143×5.0 + 0.143×2.7* + 0.143×0.0 + 0.143×7.7 + 0.143×10.0 + 0.143×5.0* = 5.77 → 57.7% (* unknown, imputed)

Is Truist Enjoy Cash worth it? (break-even math) →Value for my spending →

Compare with

Truist Enjoy Cash vs Chase Freedom Unlimited · Truist Enjoy Cash vs Chase Freedom Flex · Truist Enjoy Cash vs Citi Double Cash · Truist Enjoy Cash vs Wells Fargo Active Cash · Truist Enjoy Cash vs Capital One Quicksilver · Truist Enjoy Cash vs Capital One Savor

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

What is the Truist Enjoy Cash annual fee?

$0 (CFPB TCCP; issuer page did not render a clear fee)

What is the Truist Enjoy Cash APR?

18.74%–27.74% variable

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.