01 · overview
Annual fee
$0
No fee
Sign up bonus
—
No current offer
Credits
—
1 credit · 1 perk
Median FICO
—
Approved
Median income
—
Approved
Our take
The Enjoy Cash Secured is a credit-building card that actually earns meaningful rewards: 3% on gas and EV charging, 2% on groceries and utilities, and 1% on everything else, with no annual fee. Payment history is reported monthly to all three major credit bureaus, which is the core job of any secured card. The bonus categories share a combined $1,000 monthly cap before dropping to 1%, but that limit is unlikely to bind for most people using a secured line. The bigger drawback is the 26.74% APR, so carrying a balance would quickly wipe out the cash back. Pay it in full each month, and Truist customers can also add a 10% to 50% Loyalty Cash Bonus when redeeming into an eligible Truist deposit account.
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% |
Perks & protections
Credit Bureau Reporting
Payment history reported monthly to all three major credit bureaus
03 · card details
Card details
Regular APR | 26.74% variable |
Foreign transaction fee | None |
04 · approval odds
Approval odds
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