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Side-by-side
Truist Enjoy Beyond Credit Card vs United Explorer Card
Both are well-respected travel cards. The Truist Enjoy Beyond Credit Card comes from Truist at $95/yr; the United Explorer Card from Chase at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Explorer Card is the stronger pick today, the sign-up bonus is meaningfully larger ($740 more in estimated value) than the Truist Enjoy Beyond Credit Card's. Get the United Explorer Card first; revisit the Truist Enjoy Beyond Credit Card after you've earned that bonus.
| Feature | Truist Enjoy Beyond Credit Card | United Explorer Card |
|---|---|---|
| Annual fee | $95 | $150 |
| Sign-up bonus | 30,000 bonus points | 70,000 miles + 10,000 AU bonus |
| Bonus value (est.) | $300 | $1,040 |
| Min spend to unlock bonus | $1,500 in 3 mo | $3,000 in 3 mo |
| Issuer | Truist | Chase |
| Card category | travel | airline |
| Best earning category (Travel) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Truist Enjoy Beyond Credit Card
$95/yr · 30,000 bonus points
Read the full review
United Explorer Card
$150/yr · 70,000 miles + 10,000 AU bonus
Editorial take: United Explorer Card
Solid for United flyers. The free checked bag and 2 United Club passes per year add up, and the 70k + 10k AU bonus is a great starting point for domestic award flights. $0 intro annual fee, then $150.
Common questions
- Which card has the bigger sign-up bonus, Truist Enjoy Beyond Credit Card or United Explorer Card?
- The United Explorer Card has the bigger bonus, 70,000 miles + 10,000 AU bonus, worth roughly $1,040, versus 30,000 bonus points (~$300) on the Truist Enjoy Beyond Credit Card.
- Is the Truist Enjoy Beyond Credit Card's $95 annual fee worth it compared to the United Explorer Card?
- At $95/yr, the Truist Enjoy Beyond Credit Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Explorer Card's, pick the one whose perks you'll actually use.
- Can I have both the Truist Enjoy Beyond Credit Card and United Explorer Card?
- Yes, since they're from different issuers (Truist and Chase) 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 Truist Enjoy Beyond Credit Card or the United Explorer Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Truist Enjoy Beyond Credit Card: $1,500 spend in 3 months. United Explorer Card: $3,000 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.