Truist Enjoy Cash 1.5%

The Enjoy Cash 1.5% keeps things simple: a flat 1.5% cash back on every purchase with no annual fee and no foreign transaction fee. It also opens with 12 months of 0% intro APR on both purchases and balance transfers, which gives it some use as a short payoff runway. The real hook is for existing Truist customers, since the Loyalty Cash Bonus adds 10% to 50% to rewards redeemed into an eligible Truist deposit account, with the tier set by your combined Truist balances. Without that banking relationship, though, 1.5% is a fairly ordinary flat rate and there are no categories to push it higher. It makes the most sense as a low-effort everyday card for people who already keep meaningful money at Truist.