Truist Enjoy Cash Secured Credit Card
- Annual fee
- $19
- Recommended credit
- Fair / Poor
- Card network
- Visa
- Regular purchase APR
- 24.24% variable based on creditworthiness and the Prime Rate
At a glance
The Enjoy Cash Secured Visa® Credit Card is a secured cash back credit card from Truist. The card offers elevated cash rewards on gas, groceries, and utilities, plus the chance to build a positive credit history for a modest $19 annual fee.
Our review of the Truist Enjoy Cash Secured Credit Card
The Enjoy Cash Secured Visa® Credit Card from Truist offers unlimited cash back, credit building opportunities, and more – all for a $19 annual fee. This secured card requires a refundable security deposit of $400, which acts as collateral and sets the credit limit. While the deposit requirement may be higher than other secured cards, the potential for credit score improvement is significant with on-time payments and responsible financial habits.
With the Truist Enjoy Cash Secured Card, cardholders earn 3% cash back on gas purchases, 2% on groceries and utilities, and 1% on all other purchases. Cash back rewards can be redeemed as direct deposits or statement credits into a Truist account, with the option to earn additional Loyalty Cash Bonuses based on banking relationships.
Additional features of the Enjoy Cash Secured Visa® Credit Card include no foreign transaction fees, Visa® Zero Liability protection, customizable card controls, EMV chip technology, and mobile wallet compatibility for convenient and secure payments.
Overall, the Enjoy Cash Secured Visa® Credit Card is a solid choice for those looking to build credit and earn cash back rewards. While the minimum deposit requirement may be a drawback for some, the benefits and features of this card make it a competitive option in the secured credit card market.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn up to 3% cash back on gas, 2% on utilities and groceries (with a combined $1,000 monthly cap), and 1% back on all other eligible purchases Unlimited cash back rewards
- Monthly payment history will be reported to three major credit bureaus
- Up to 50% Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account
- Low annual fee
Who this card may suit
- You already bank with Truist
- You can afford the $400 minimum deposit requirement
- You want versatile cash back rewards
Rates, fees and terms
| Annual Fee | $19 |
|---|---|
| Regular Purchase APR | 24.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 24.24% 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 | 27.24% 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 |
| Minimum Deposit Required | See issuer terms |
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: Fair Credit Poor Credit.
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Truist Enjoy Cash Secured Credit Card
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