Truist Enjoy Beyond
The Truist Enjoy Beyond from Truist earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $195. New applicants may see: 30,000 bonus points after you spend $1,500 within 90 days of account opening. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $195
Madeen may earn compensation from some apply links. Affiliate disclosure
Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Truist Enjoy Beyond earn in each category?
Dining is the strongest category at 2% effective value (2x miles at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2% effective value (2x miles at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x miles | 2% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1% |
| Gas Gas stations and fuel | 1x miles | 1% |
| Travel Flights, hotels, transit | 1x miles | 1% |
| Other General everyday spend | 1x miles | 1% |
Madeen values Truist miles at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Truist Enjoy Beyond reward caps and conditions?
The Truist Enjoy Beyond has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 2x on dining
Who should get the Truist Enjoy Beyond?
The Truist Enjoy Beyond fits spenders who put meaningful volume in dining and can earn 2x miles. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Truist Enjoy Beyond fits spenders who put meaningful volume in dining and can earn 2x miles. Madeen ranks its dining effective rate higher than about 29% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $195 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2% effective (2x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $195 annual fee requires enough spend in bonus categories to offset.
- Truist miles value depends on how you redeem, not straight cash back.
Does the Truist Enjoy Beyond have an annual fee, and what's the welcome bonus?
The Truist Enjoy Beyond has an annual fee of $195 and a foreign transaction fee of None. New applicants may see: 30,000 bonus points after you spend $1,500 within 90 days of account opening. Confirm current issuer terms before applying.
- Annual fee
- $195
- Foreign transaction fee
- None
- Signup bonus
- 30,000 bonus points after you spend $1,500 within 90 days of account opening
What travel perks does the Truist Enjoy Beyond include?
The Truist Enjoy Beyond includes Trusted traveler credit, $100 annual travel experience credit, Booking.com, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Trusted traveler creditUp to $120 statement credit for TSA PreCheck® or Global Entry® fee awarded once every four years
What benefits come with the Truist Enjoy Beyond?
- $100 annual travel experience credit
Receive up to $100 annual travel experience statement credit for items such as ground transport, streaming services, and ticket agencies
- Booking.comIncluded with Visa Traditional
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Dovly Uplift™Included with Visa Traditional
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- Loyalty Cash Bonus
Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account.
- OpenTableIncluded with Visa Traditional
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Roadside Dispatch®
Roadside Dispatch will ask you where you are, what the problem is, and while they remain on the phone with you, they will arrange a dispatch to a reliable tow operator or locksmith to provide help.
- Roadside Dispatch®Included with Visa Traditional
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
- Sofar SoundsIncluded with Visa Traditional
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Common questions about the Truist Enjoy Beyond
Does the Truist Enjoy Beyond have an annual fee?
The Truist Enjoy Beyond carries an annual fee of $195 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Truist Enjoy Beyond?
Dining is the strongest Madeen category for the Truist Enjoy Beyond at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Truist Enjoy Beyond charge foreign transaction fees?
The Truist Enjoy Beyond does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Truist Enjoy Beyond welcome bonus?
The Truist Enjoy Beyond welcome offer in our snapshot: 30,000 bonus points after you spend $1,500 within 90 days of account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Truist Enjoy Beyond annual fee worth it?
Whether the $195 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Truist Enjoy Beyond?
Madeen's catalog lists a typical credit range of Good to Excellent for the Truist Enjoy Beyond. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Truist Enjoy Beyond compare to similar cards?
Compare the Truist Enjoy Beyond against Truist Business Cash Rewards (3% on Gas, $0 fee); Truist Enjoy Cash (3-2-1%) (3% on Gas, $0 fee); Truist Business Travel Rewards (2% on Travel, $49 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Truist Enjoy Beyond This card | Dining | 2% | $195 |
| Gas | 3% | $0 | |
| Gas | 3% | $0 | |
| Travel | 2% | $49 | |
Truist | Travel | 2% | $0 |
Related Madeen guides
Related cards
Issuer links
Madeen may earn compensation from some apply links. Compensation may affect which offers are available, but it does not control recommendations for cards you have already added to your wallet. Affiliate disclosure
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.