The Enjoy Cash 3-2-1 pays 3% back on gas and EV charging and 2% on groceries and utilities with no annual fee and no foreign transaction fee, which is a reasonable everyday mix if your spending clusters in those buckets. The catch is the cap: the 3% and 2% tiers share a single $1,000 monthly limit, and everything past it drops to 1%, the same rate the card pays on all other purchases. That ceiling puts a hard lid on what the card can return in a year, so it works better as a topped-up category card than as your only one. A 0% intro APR for 12 months on both purchases and balance transfers gives you some breathing room up front, after which the rate runs 18.74% to 27.74%. The Loyalty Cash Bonus adds 10% to 50% to your redemption if you bank with Truist, so the card is most worth carrying for existing Truist deposit customers.
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 |