Enjoy Beyond is Truist's premium travel card at $95 a year: a metal card earning 3x on airfare, hotels, and car rentals, 2x on dining, and 1x on everything else, with 30,000 bonus points after $1,500 in 90 days. The bonus threshold is low enough that most applicants will clear it on ordinary spending. Two credits do most of the work on the fee, a $100 annual travel experience credit covering ground transportation, streaming, and ticket agencies, and up to $120 for Global Entry or TSA PreCheck every four years, so the annual credit alone roughly covers the annual fee if you use it. What you do not get is transfer partners: points redeem through Truist rather than to airline or hotel programs, so the ceiling on their value is fixed and the card cannot chase premium cabin redemptions the way a transferable currency can. The 10% to 50% Loyalty Cash Bonus for redeeming into a Truist account is the lever that makes this card competitive, and it only pulls if Truist already holds your deposits.
Earn rates & credits
| Category | Rate |
|---|---|
Airlines | 3x |
Hotels | 3x |
Car Rentals | 3x |
Dining | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Travel Experience Credit Up to $100 in annual statement credits for ground transportation, streaming services, and ticket agencies | $100 /yr |
Global Entry / TSA PreCheck Credit Up to $120 statement credit for a Global Entry or TSA PreCheck application fee, once every four years | $120 every 4 yr |
Loyalty Cash Bonus 10% to 50% bonus on points redeemed into an eligible Truist deposit account, with the tier set by your combined Truist balances | 10% |
| Total annual credits | $130 |
Card details
Regular APR | 18.74%–27.74% variable |
Foreign transaction fee | None |