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 stands out among credit-builder cards because it earns real rewards: 3% on gas and EV charging, 2% on groceries and utilities, and 1% on everything else, with no annual fee and monthly reporting to all three major credit bureaus. That lets you build a payment history while still earning on everyday bills. The tradeoffs are a $1,000 combined monthly cap on the 3% and 2% categories, after which those purchases earn 1%, and a 26.74% APR, so carrying a balance would quickly outweigh any cash back. There is no intro APR offer here either. Pay in full each month, keep spending modest, and if you bank with Truist, the Loyalty Cash Bonus can add 10% to 50% to rewards redeemed 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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