# Truist Enjoy Cash Credit Card

> Earn up to 3x on gas & EV charging and 2x on groceries. No annual fee.

Canonical page: https://cardstack.money/cards/truist-enjoy-cash-credit-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Truist
- Network: Visa
- Annual fee: $0
- Welcome offer: 0% intro APR on purchases for 12 months, plus 0% intro APR for 12 months on balance transfers made in the first 90 days after account opening.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 3x | Gas & EV Charging | Up to $1,000 |
| 2x | Groceries | Up to $1,000 |
| 2x | Utilities | Up to $1,000 |
| 1x | All other purchases | Base earn rate |

## Other benefits

- **Alternative rewards plan**: 1.5% unlimited cash back on all eligible purchases; chosen at application and not changeable later.
- **Loyalty Cash Bonus**: Earn a 10%–50% bonus on your cash back based on your Truist deposit relationship when rewards are redeemed into an eligible Truist deposit account.
- **0% intro APR on purchases**: 0% for 12 months after account opening, then 18.74%–27.74% variable APR.
- **0% intro APR on balance transfers**: 0% for 12 months on transfers made in the first 90 days after account opening; a 3% fee ($10 minimum) applies to each transfer; then 18.74%–27.74% variable APR.
- **No foreign transaction fee**: Pay no extra fee on purchases made abroad.
- **Card controls**: Lock your card and manage spending limits from the Truist mobile phone app for added security.
- **Contactless & mobile wallet**: Tap to pay and add the card to your mobile phone wallet, including Apple Pay and Google Pay, for faster checkout.
- **Visa protections**: Visa Zero Liability protects against unauthorized use, plus eligible purchase protection and extended warranty benefits per your Visa Guide to Benefits.


---

CardStack is an iOS app that automatically tracks your credit card statement credits, benefits, and points so they never expire unused. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863