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Side-by-side
Chime Credit Builder Secured Visa vs Truist Enjoy Beyond Credit Card
Both are well-respected travel cards. The Chime Credit Builder Secured Visa comes from Chime at $0/yr; the Truist Enjoy Beyond Credit Card from Truist at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Chime Credit Builder Secured Visa | Truist Enjoy Beyond Credit Card |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | None | 30,000 bonus points |
| Bonus value (est.) | $0 | $300 |
| Min spend to unlock bonus | $0 in 0 mo | $1,500 in 3 mo |
| Issuer | Chime | Truist |
| Card category | secured | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Chime Credit Builder Secured Visa
$0/yr · None
Read the full review
Truist Enjoy Beyond Credit Card
$95/yr · 30,000 bonus points
Editorial take: Truist Enjoy Beyond Credit Card
Common questions
- Which card has the bigger sign-up bonus, Chime Credit Builder Secured Visa or Truist Enjoy Beyond Credit Card?
- The Truist Enjoy Beyond Credit Card has the bigger bonus, 30,000 bonus points, worth roughly $300, versus None (~$0) on the Chime Credit Builder Secured Visa.
- Is the Chime Credit Builder Secured Visa's $0 annual fee worth it compared to the Truist Enjoy Beyond Credit Card?
- The Chime Credit Builder Secured Visa has no annual fee, so the question is whether the Truist Enjoy Beyond Credit Card's $95 fee is justified by its perks. If you'll use enough of the Truist Enjoy Beyond Credit Card's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Chime Credit Builder Secured Visa.
- Can I have both the Chime Credit Builder Secured Visa and Truist Enjoy Beyond Credit Card?
- Yes, since they're from different issuers (Chime and Truist) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Chime Credit Builder Secured Visa or the Truist Enjoy Beyond Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chime Credit Builder Secured Visa: $0 spend in 0 months. Truist Enjoy Beyond Credit Card: $1,500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.