Truist Enjoy Beyond Credit Card

Earning Rates

Key Benefits

All Benefits

• Current public welcome offer: earn 30,000 bonus Truist points after spending $1,500 on purchases within the first 90 days of account opening (per Truist Enjoy Beyond product page on truist.com)
• $95 annual fee, charged in the first billing cycle and again approximately every 12 months thereafter; the annual fee is waived for Truist Wealth Clients (Signature, Reserve, or GenSpring) who have an assigned Truist Wealth advisor at the time the fee is charged (per Truist Enjoy Beyond Credit Card Disclosure on truist.com)
• Earn 3 Truist points per $1 spent on eligible airline ticket, car rental, and hotel lodging purchases; non-airline ticket charges such as seat upgrades, baggage fees, and onboard amenities, and non-lodging hotel charges such as dining and activities, earn 1 point per $1 instead of 3 (per Truist Enjoy Beyond product page Disclosure 1)
• Earn 2 Truist points per $1 spent on restaurant purchases; bakeries, convenience stores, specialty markets, and merchants whose primary business is the sale of alcoholic beverages are excluded from the 2x category and instead earn 1 point per $1 (per Truist Enjoy Beyond product page Disclosure 1)
• Earn 1 Truist point per $1 spent on all other eligible purchases, with no cap on the number of points that can be earned (per Truist Enjoy Beyond product page Disclosure 1)
• Truist points are valued at 1 cent per point when redeemed for travel, statement credits, or deposits into a Truist deposit account through the Truist Rewards portal; there are no airline or hotel transfer partners on the Truist Rewards program, so 1 cent per point is the program's effective ceiling for cash-like value (per Truist Enjoy Beyond product page redemption description)
• Annual travel experience statement credit of up to $100 per year, applicable to ground transportation purchases (taxi, rideshare, limousine, ferry, bus, train, parking, tolls), streaming service subscriptions, and ticket agency purchases; this is not a traditional airline fee credit and does not reimburse incidental airline fees on a single chosen carrier (per Truist Enjoy Beyond product page Disclosure 2)
• Up to $120 statement credit toward the application fee for TSA PreCheck or Global Entry, awarded once every four years when the application fee is charged to the card (per Truist Enjoy Beyond product page Disclosure 2)
• Loyalty Cash Bonus: cardholders who redeem cash rewards into an eligible Truist deposit account receive an additional bonus on top of the standard 1 cent per point redemption value, with the bonus tier varying based on the cardholder's Truist deposit relationship; the program is positioned as a 'relationship reward' for Truist banking customers (per Truist Enjoy Beyond product page Disclosure 3)
• No foreign transaction fees on purchases made outside the United States, making the card usable abroad without the typical 3% surcharge applied by many non-travel cards (per Truist Enjoy Beyond Credit Card Disclosure Foreign Transaction line item)
• Visa Signature card network designation, providing access to the standard Visa Signature suite of issuer-elected benefits via the Visa Signature Guide to Benefits referenced from the Truist product page (per Truist Enjoy Beyond product page Visa Signature card benefits PDF link)
• Visa Signature Concierge service: complimentary 24/7 personal assistance for travel planning, dining reservations, event ticketing, and gift sourcing as a standard Visa Signature network benefit (per Visa Signature card benefits reference linked from the Truist product page)
• Visa Signature travel and emergency assistance services: 24/7 access to medical, legal, and travel referrals while traveling, with the cardholder responsible for any actual goods or services obtained (per Visa Signature card benefits reference)
• Visa Signature roadside dispatch: pay-per-use roadside assistance program available 24/7 with no membership enrollment required, available as a Visa Signature network benefit (per Visa Signature card benefits reference)
• Auto rental collision damage waiver as a Visa Signature network benefit: secondary coverage in the cardholder's country of residence and primary coverage when renting outside the cardholder's country of residence, contingent on charging the entire rental to the card and declining the rental company's collision damage waiver (per Visa Signature card benefits reference)
• Travel accident insurance: provided as a Visa Signature network benefit while the cardholder is a Visa Signature cardmember, with specific limits described in the Visa Signature Guide to Benefits linked from the Truist product page (per Visa Signature card benefits reference)
• Metal composite card design, in line with the product's positioning as Truist's premium travel rewards card (per Truist Enjoy Beyond product page Features section)
• Customizable card controls in the Truist mobile and online banking apps for added security, allowing cardholders to lock and unlock the card and set transaction restrictions (per Truist Enjoy Beyond product page Features section)
• Contactless payments and mobile wallet support (Apple Pay, Google Pay, Samsung Pay, and Paze) for faster checkout (per Truist Enjoy Beyond product page Features section)
• Visa Zero Liability protection against unauthorized card use, so the cardholder is not held responsible for unauthorized purchases reported promptly (per Truist Enjoy Beyond product page Features section)
• Penalty APR: none; Truist does not impose a penalty APR for late or returned payments on the Enjoy Beyond, which is unusual relative to many travel rewards cards (per Truist Enjoy Beyond Credit Card Disclosure Penalty APR line item)
• No overlimit fee and no return payment fee; the only penalty fee listed is a late payment fee of up to $40 (per Truist Enjoy Beyond Credit Card Disclosure Penalty Fees table)
• Purchase APR and Balance Transfer APR: 18.74% to 27.74% variable, based on creditworthiness and tied to the Prime Rate; Cash Advance APR is 27.74% variable (per Truist Enjoy Beyond Credit Card Disclosure Interest Rates section)
• Airline transfer partners: Not offered; Truist Rewards does not maintain any airline transfer partner relationships (such as no transfers to United, American, Delta, Air France/KLM, Singapore, ANA, or Avianca), so points cannot be moved into mileage programs at any conversion ratio (per Truist Enjoy Beyond product page redemption description, which limits redemption to travel booked through Truist Rewards, statement credits, and deposits into a Truist deposit account)
• Hotel transfer partners: Not offered; Truist Rewards does not maintain any hotel loyalty transfer partners (such as no transfers to Marriott Bonvoy, World of Hyatt, Hilton Honors, IHG One Rewards, Wyndham Rewards, or Choice Privileges), so points cannot be converted into hotel currency at any conversion ratio (per Truist Enjoy Beyond product page redemption description)
• Complimentary airport lounge access: Not offered; the Enjoy Beyond does not include Priority Pass Select, Priority Pass Standard, lounge day passes, or access to any branded lounge network (the Truist Enjoy Beyond product page does not advertise lounge access among its Key benefits or Features, and lounge access is reserved for higher-tier travel cards from other issuers)
• Annual airline fee or incidental credit: Not offered; the $100 annual travel experience statement credit on this card is not an airline incidental fee credit on a chosen carrier (it is restricted to ground transportation, streaming, and ticket agencies per Disclosure 2), so cardholders cannot use the credit toward checked bags, in-flight food and beverage, or seat selection on an elected airline the way they could on certain Citi or American Express premium products
• Companion ticket benefit: Not offered; Truist does not advertise a $99 companion ticket, an annual companion certificate, or any anniversary travel certificate on the Enjoy Beyond, and no such benefit appears in the product page Key benefits or Features section or in the Truist Enjoy Beyond Credit Card Disclosure (the only spend-based recurring benefit on the card is the Loyalty Cash Bonus tied to a Truist deposit relationship)
• Trip cancellation or trip interruption insurance, baggage delay or lost luggage reimbursement, trip delay reimbursement, and rental car primary coverage in the cardholder's country of residence: Not advertised by Truist on the Enjoy Beyond product page; any such coverage would only exist to the extent Visa elects to provide it under the standard Visa Signature network baseline (which only requires auto rental CDW and travel and emergency assistance services on Visa Signature), so these are not surfaced as cardholder benefits on the Enjoy Beyond
• Purchase protection and extended warranty: Not advertised by Truist on the Enjoy Beyond product page (the Key benefits and Features sections on truist.com do not list purchase protection, extended warranty, return protection, or cell phone protection; any coverage that exists would be limited to the issuer-elected Visa Signature network baseline, which does not require purchase protection or extended warranty on Visa Signature cards)
• Complimentary elite status with any hotel or airline program: Not offered; the Enjoy Beyond does not confer any complimentary hotel or airline elite status, and Truist does not have co-brand relationships with hotel chains or airlines (the product is a bank-issued proprietary travel rewards card, not a co-brand)