Truist Enjoy Beyond Credit Card
- Annual fee
- $195
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
At a glance
The Truist Enjoy Beyond Visa® Credit Card offers up to 3X points on purchases, a decent introductory offer, and lucrative travel statement credits – all for a $195 annual fee.
Our review of the Truist Enjoy Beyond Credit Card
The Truist Enjoy Beyond Visa® is a top-tier travel rewards credit card that offers flexible rewards, premium travel benefits, and more for an annual fee of $195.
Earn Up to 3X Points on Travel
The Truist Enjoy Beyond Card is designed to maximize travel rewards. Cardholders earn 3X points on eligible travel purchases, including flights, hotels, rental cars, and more. Additionally, they earn double points on dining and 1X points on all other purchases.
While the points potential may not be as high as some other premium travel cards, the Enjoy Beyond Visa is perfect for Truist customers looking for a versatile travel card with a focus on earning points for travel expenses.
30,000 Points Bonus Offer
New cardholders can earn 30,000 bonus points by meeting minimum spending requirements within the first three months of opening an account. This introductory offer translates to roughly $300 in value, making it a lucrative incentive for new cardholders.
How to Redeem Points
Enjoy Beyond points can be redeemed for cash back, gift cards, hotel stays, airline tickets, and merchandise. Cardholders can also earn a Loyalty Cash Bonus based on their Truist banking relationship when redeeming cash rewards into a Truist deposit account.
Impressive Travel Perks
In addition to the standard travel benefits, the Enjoy Beyond Card offers a $100 annual travel experience statement credit for ground transport, streaming services, and ticket agencies. This makes it an ideal choice for frequent travelers looking to offset additional costs.
Other Card Features
Some other notable features of the Enjoy Beyond Visa Card include a competitive APR starting at around 13%, Visa® Zero Liability protection, customizable card controls for added security, EMV chip technology, contactless payment capabilities, and mobile wallet compatibility.
Should You Apply for the Truist Enjoy Beyond Credit Card?
Overall, the Truist Enjoy Beyond Credit Card is a solid choice for Truist customers seeking a premium travel card with generous rewards and travel perks. While it may lack some luxury benefits like lounge access, the card’s points system and statement credits make it a valuable option for frequent travelers.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 3X points per $1 on travel purchases, 2X on dining, and 1X on all other eligible purchases
- Receive up to $100 annual travel experience statement credit for items such as ground transportation, streaming services, and ticket agencies
- Get up to a $100 statement credit for TSA Pre-Check® or Global Entry® – awarded once every four years
- Unlimited rewards earning
- Contactless payments and mobile wallets for faster checkout
Who this card may suit
- You travel often and want a streamlined rewards card
- You use TSA Pre-Check®
- You plan to spend at least $1,500 on purchases in the first 90 days of being a cardholder
- You don’t require lounge access to enjoy travel
Rates, fees and terms
| Annual Fee | $195 |
|---|---|
| Regular Purchase APR | 18.24% to 27.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 18.24% to 27.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 18.24% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 4% of the amount of each cash advance, whichever is greater |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Truist Enjoy Beyond Credit Card
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