The Truist Enjoy Beyond earns 3 points per dollar on airlines, hotels, and car rentals and 2 points on dining, with no foreign transaction fee, making it a reasonable pick for travelers who already bank with Truist. The $95 annual fee is partly offset by up to $100 a year in statement credits for ground transportation, streaming services, and ticket agencies, along with a Global Entry or TSA PreCheck credit every four years. New cardholders can earn 30,000 points after $1,500 in spend within three months. The catch is that its best value is tied to your Truist relationship: the Loyalty Cash Bonus adds 10% to 50% to points redeemed into an eligible Truist deposit account based on your combined balances, and the annual fee is waived only for Truist Wealth clients with an assigned advisor. Outside those categories everything earns just 1 point per dollar, so customers without deeper Truist ties will likely find better travel cards elsewhere.
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 |