Truist sells one Enjoy Cash card with two rewards structures, and this is the tiered one: 3% on gas and EV charging, 2% on groceries and utilities, and 1% on everything else. You pick the structure when you apply and Truist does not let you change it later, so the choice between this and the flat 1.5% version is permanent. The deciding number is the cap: the 3% and 2% tiers share $1,000 of spending a month, about $12,000 a year, and everything past it earns 1%. Fill that cap with gas and groceries and this version wins comfortably; go much beyond it and the flat card catches up and passes it. There is no welcome bonus in either version, only the Loyalty Cash Bonus of 10% to 50% for redeeming into a Truist deposit account, so the card pays best to existing Truist customers. No annual fee, no foreign transaction fees, and 12 months of 0% APR on purchases and on balance transfers made in the first 90 days round it out.
Earn rates & credits
| Category | Rate |
|---|---|
Gas $1,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $1,000/mo, then 1% | 3% |
EV Charging $1,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $1,000/mo, then 1% | 3% |
Groceries $1,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $1,000/mo, then 1% | 2% |
Utilities $1,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $1,000/mo, then 1% | 2% |
Everything Else | 1% |
| Benefit | Value |
|---|---|
Loyalty Cash Bonus 10% to 50% bonus on cash rewards redeemed into an eligible Truist deposit account, with the tier set by your combined Truist balances | 10% |
Card details
Regular APR | 18.74%–27.74% variable |
Intro APR on purchases | 0% for 12 months |
Intro APR on balance transfers | 0% for 12 months |
Foreign transaction fee | None |