01 · overview
Annual fee
$0
No fee
Sign up bonus
—
No current offer
Credits
—
1 credit
Median FICO
—
Approved
Median income
—
Approved
Our take
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. That lineup covers a lot of routine household spending, and Truist banking customers can stretch it further with a 10% to 50% Loyalty Cash Bonus on rewards redeemed into an eligible Truist deposit account. The catch is the cap: the 3% and 2% categories share a combined $1,000 monthly limit, after which everything drops to 1%. Since 1% is also the base rate on all other purchases, bigger spenders will find the ceiling arrives quickly. It works best for a household with moderate gas and grocery bills, ideally one already banking at Truist.
Apply now
Apply now02 · earn & credits
Earn rates & credits
Earn rates
| 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% |
Credits & rebates
| 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% |
03 · card details
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 |
04 · approval odds
Approval odds
We're still collecting data on this card. Submit a data point to help. Log in to submit →