Most secured cards pay nothing, so the Enjoy Cash Secured stands out by giving credit builders a real earn rate: 3% on gas and EV charging, 2% on groceries and utilities, and 1% on everything else, with no annual fee and no foreign transaction fee. Payment history is reported monthly to all three major bureaus, which is the whole point of a card like this. Two caveats matter. The 3% and 2% tiers share a $1,000 combined monthly cap and fall to 1% after that, and the ongoing APR is a flat 26.74%, so this is a card to pay in full every month rather than carry a balance on. If you already bank with Truist, the Loyalty Cash Bonus of 10% to 50% on rewards redeemed into an eligible deposit account makes the cash back go further while you build history.
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 | 26.74% variable |
Foreign transaction fee | None |