Truist Enjoy Cash Credit Card

Rewards by category

Our take

Truist Enjoy Cash has no annual fee and pays 3% on gas and EV charging, 2% at grocery stores, 2% on utilities and 1% on everything else. The catch is the cap, and it is a monthly one: $1,000 of combined spending each month across all of the bonus categories, after which everything earns 1% until the month turns over. Monthly caps are rarer than annual ones and they bite far sooner — a household that buys both its groceries and its fuel on one card can pass $1,000 in the first three weeks.

Nothing rolls over either, so a quiet month leaves the allowance unspent and a heavy one spills into 1%. Work a typical month through: $400 of groceries, $250 of utilities and $250 of gas is $900 of bonus spending and earns $20.50. A flat 2% card earns $18 on the same $900. The edge is $2.50 a month, about $30 a year. The reason it is so small is that two of the three bonus rates are 2% — exactly what a flat card pays on everything, with no cap at all — so the only genuine upgrade here is one extra point on fuel, and it shares its ceiling with the categories that gained you nothing. Past $1,000 the card pays 1%, half of the flat card, which turns a big month into a loss.

Truist also offers a flat 1.5% version of the same card for people who would rather not track categories at all. The 1.5% beats the tiered card's 1% on every dollar outside a bonus category or past the monthly cap, and loses inside them, but a plain 2% card beats 1.5% everywhere — so the flat Truist is a convenience choice, not a math one. Practically, Truist's branch footprint covers 17 states plus DC; the card itself is not restricted to that footprint, so you can hold it anywhere and simply do without a branch. Carry the Enjoy Cash if you already bank with Truist and your fuel, grocery and utility spending fits comfortably inside $1,000 a month. If fuel is the whole reason you want it, our gas ranking is led by 5% cards like the AAA Travel Advantage, and 3% under a monthly cap is not close.

The math

Run $200 a month of gas through this card and you're earning about $72 a year at our conservative valuations. There's no annual fee to earn back — everything above the 1% base rate is pure upside.

Where it lands in our rankings: #5 for utilities

Key benefits

• No annual fee
• No foreign transaction fees

Common questions

Does Truist Enjoy Cash Credit Card have an annual fee?

No — Truist Enjoy Cash Credit Card has no annual fee.

What does Truist Enjoy Cash Credit Card earn on gas?

3% on gas (up to $1,000/mo (combined)).

What rewards does Truist Enjoy Cash Credit Card earn on everything else?

1% on all other purchases, in Cash Back.

How does the Truist Enjoy Cash monthly cap work?

All the bonus categories share one $1,000 cap on spending per month — gas and EV charging at 3%, groceries at 2% and utilities at 2% draw from the same allowance. Once combined bonus spending passes $1,000 in a month, everything earns 1% until the next month begins. Unused allowance does not roll over, and at best the 3% rate can return $30 in a month, or $360 across a full year.

Should I take the 3% Enjoy Cash or the flat 1.5% version?

It depends on where your spending sits relative to the cap. The tiered card wins on bonus-category purchases under $1,000 a month; the flat 1.5% wins on everything else, because the tiered card drops to 1% outside its categories and after the cap. If you would rather not think about it at all, the 1.5% is the calmer card — but note that a flat 2% card beats 1.5% on every single purchase, so neither Truist version is the strongest flat option.