Truist Enjoy Cash 1.5%

This is the flat rate half of Truist Enjoy Cash: 1.5% on everything, no categories, no caps, no annual fee. You choose between this and the tiered 3-2-1 version when you apply, and the choice is permanent, so it is worth doing the arithmetic once. The tiered card caps its bonus rates at $1,000 of combined monthly spending; if your gas, grocery, and utility spending runs past that, or simply lands in categories the tiered version does not reward, this version earns more. At 1.5% it is a middling flat rate card on its own, since 2% cards with no annual fee are easy to find. What can move it is the Loyalty Cash Bonus: redeem into an eligible Truist deposit account and 10% to 50% gets added, which at the top tier turns 1.5% into an effective 2.25%. That upper tier takes a substantial Truist balance, so read the card as a relationship product first and a flat rate card second. No foreign transaction fees, and 12 months of 0% APR on purchases and on balance transfers made in the first 90 days.