Cash back · Visa · No annual fee
Last verified 2026-10-26. Review issuer source
Truist Enjoy Cash (3-2-1%) is a no-annual-fee cash back card from Truist. Its best everyday rates are 3% on gas stations, 2% on grocery stores, and 2% on utilities; everything else earns 1%. Gas stations is capped at $1,000 a month, then drops to the base rate.
On our reference budget of $24,600 a year it returns about $354, an effective 1.4% back.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Truist Enjoy Cash (3-2-1%)This card · 3% on gas stations | None | $354 | +$354 | 514th of 1,284 |
| Truist Enjoy Cash (1.5%)Truist's most-held other card · 1.5% on everything | None | $369 | +$369 | 506th of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
Cap: $1,000 per monthly
3% cash back on gas and EV charging
Cap: $1,000 per monthly
2% cash back on groceries and utilities (up to the combined $1,000 monthly spend cap)
Cap: $1,000 per monthly
2% cash back on groceries and utilities (up to the combined $1,000 monthly spend cap)
No welcome bonus is stored for this catalog entry yet.
Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account.
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.
You and your dependents become covered automatically when the entire Common Carrier fare is charged to your covered Visa Signature card account.
Emergencies can escalate quickly when You are traveling away from home. Something that is relatively straight forward when You are not traveling, like replacing prescription medication, can be a difficult task when You are dealing with local laws or language barriers.
These come from Visa, not from Truist. Every card on the Visa Traditional tier carries them, so they should not decide between two cards.
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. Sign up for a free Booking.com account to get started.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
