Truist Enjoy Cash 3-2-1

The Enjoy Cash 3-2-1 pays 3% on gas and EV charging and 2% on groceries and utilities, with no annual fee and 12 months of 0% intro APR on purchases and balance transfers. For a household whose biggest monthly bills are the pump, the grocery store, and the utility company, that is a sensible everyday lineup. The catch is a tight ceiling: the 3% and 2% categories share a $1,000 combined monthly cap, after which everything drops to 1%, the same rate as all other spending. That cap limits the upside for bigger spenders, so this works best for moderate budgets. Truist customers get extra value from the Loyalty Cash Bonus, which adds 10% to 50% to rewards redeemed into an eligible Truist deposit account depending on combined balances.