For a $95 annual fee, the Enjoy Beyond earns 3x points on airlines, hotels, and car rentals, 2x on dining, and 1x elsewhere, with no foreign transaction fees, which is a solid shape for a mid-tier travel card. The signup bonus is 30,000 points after just $1,500 in three months, a notably low spend requirement, and the $100 annual travel experience credit for ground transportation, streaming, and ticket agencies plus a $120 Global Entry or TSA PreCheck credit every four years can cover the fee outright if those fit your habits. The complication is on the redemption side: the 10% to 50% bonus on points cashed into an eligible Truist deposit account is what lifts the effective return, and the tier depends on your combined balances with the bank. Without that relationship you are holding a fairly ordinary 3x travel card at 18.74% to 27.74% regular APR. Read this as a card for existing Truist customers, where the loyalty bonus does most of the work.
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 |