Truist Enjoy Cash (3-2-1%)
The Truist Enjoy Cash (3-2-1%) from Truist earns up to 3% effective value on gas in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Gas
- Effective value
- 3%
- Annual fee
- $0
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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 Cash (3-2-1%) earn in each category?
Gas is the strongest category at 3% effective value (3% back). That gas rate ranks higher than about 67% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 3% effective value (3% back). That gas rate ranks higher than about 67% of the 1,551 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 3% back | 3% Top category |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back 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 Cash (3-2-1%) reward caps and conditions?
The Truist Enjoy Cash (3-2-1%) has 2 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.
- 3% cash back on gas and EV charging Capped at $1000 per month.
- 2% cash back on groceries and utilities (up to the combined $1,000 monthly spend cap) Capped at $1000 per month.
Who should get the Truist Enjoy Cash (3-2-1%)?
The Truist Enjoy Cash (3-2-1%) fits spenders who put meaningful volume in gas and can earn 3% back. Best for spenders who put meaningful volume in gas and can earn 3% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Truist Enjoy Cash (3-2-1%) fits spenders who put meaningful volume in gas and can earn 3% back. Madeen ranks its gas effective rate higher than about 67% 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 gas and can earn 3% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for gas-heavy spend when you want to avoid an annual fee; 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 gas at about 3% effective (3% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Truist Enjoy Cash (3-2-1%) have an annual fee, and what's the welcome bonus?
The Truist Enjoy Cash (3-2-1%) has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Truist Enjoy Cash (3-2-1%)?
The Truist Enjoy Cash (3-2-1%) includes Booking.com, Dovly Uplift™, Loyalty Cash Bonus 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.
- 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.
- Travel Accident Insurance
You and your dependents become covered automatically when the entire Common Carrier fare is charged to your covered Visa Signature card account.
Common questions about the Truist Enjoy Cash (3-2-1%)
Does the Truist Enjoy Cash (3-2-1%) have an annual fee?
The Truist Enjoy Cash (3-2-1%) carries an annual fee of $0 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 Cash (3-2-1%)?
Gas is the strongest Madeen category for the Truist Enjoy Cash (3-2-1%) at about 3% 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 Cash (3-2-1%) charge foreign transaction fees?
The Truist Enjoy Cash (3-2-1%) 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 credit score do you need for the Truist Enjoy Cash (3-2-1%)?
Madeen's catalog lists a typical credit range of Good to Excellent for the Truist Enjoy Cash (3-2-1%). 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 do you redeem rewards on the Truist Enjoy Cash (3-2-1%)?
Rewards on the Truist Enjoy Cash (3-2-1%) post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the Truist Enjoy Cash (3-2-1%)?
To maximize the Truist Enjoy Cash (3-2-1%), route gas and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Truist Enjoy Cash (3-2-1%) compare to similar cards?
Compare the Truist Enjoy Cash (3-2-1%) against Truist Business Cash Rewards (3% on Gas, $0 fee); Truist Business Travel Rewards (2% on Travel, $49 fee); Truist Enjoy Beyond (2% on Dining, $195 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 Cash (3-2-1%) This card | Gas | 3% | $0 |
| Gas | 3% | $0 | |
| Travel | 2% | $49 | |
Truist | Dining | 2% | $195 |
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