Truist Enjoy Beyond: Premium Rewards Visa® Credit Card
30,000 points after you spend $1,500 in 3 months. $95 a year.
- Welcome offer
- Issuer's pagetruist.com
“30,000 bonus points after you spend $1,500 on purchases within 90 days of account opening”
- Annual fee
- Issuer's pagetruist.com
“$95 Annual fee † Truist Enjoy Beyond Credit Card Disclosure (opens in a modal)”
- Purchase APR
- Issuer's pagetruist.com
“18.74% - 27.74% variable APR on purchases and balance transfers † Truist Enjoy Beyond Credit Card Disclosure (opens in a modal)”
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $335 | $35 |
| Typical spender | $540 | $240 |
| Heavy spender | $1,080 | $780 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 70% of the 650 cards we track.
- Lower top APR than about 50% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
30,000 points
After you spend $1,500 on purchases in your first 3 months.
Within 90 days of account opening.
How you earn
- 3× pointsairlines
- 3× pointshotels
- 3× pointscar rentals
- 2× pointsdining
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagetruist.com “$95 Annual fee † Truist Enjoy Beyond Credit Card Disclosure (opens in a modal)” |
|---|---|
| Purchase APR | Issuer's pagetruist.com “18.74% - 27.74% variable APR on purchases and balance transfers † Truist Enjoy Beyond Credit Card Disclosure (opens in a modal)” |
| Balance transfer APR | Issuer's pagetruist.com “18.74% - 27.74% variable APR on purchases and balance transfers † Truist Enjoy Beyond Credit Card Disclosure (opens in a modal)” |
| Balance transfer fee | Issuer's pagetruist.com “3% of each advance ( $10.00 minimum)” |
| Cash advance APR | Issuer's pagetruist.com “27.74%” |
| Cash advance fee | Issuer's pagetruist.com “4% of each advance or $10.00 minimum on transactions greater than $10” |
| Penalty APR | Issuer's pagetruist.com The source states this figure; we have no exact sentence on file yet. |
| Late payment | Issuer's pagetruist.com “Up to $40” |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | Issuer's pagetruist.com “Your due date is at least 25 days after the close of each billing cycle.” |
Carrying a balance? See how long it takes to pay off
Benefits
- Annual travel experience statement credit: $100 annual
- TSA PreCheck® or Global Entry® fee statement credit: $120 every 4 years
- Up to $120 statement credit for TSA PreCheck® or Global Entry® fee, awarded once every four years.
Questions
- What is the annual fee?
- $95 truist.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 18.74–27.74% APR truist.com, since Sep 29, 2026
- Is there a welcome bonus?
- 30,000 points after $1,500 in purchases in 3 months. truist.com, since Sep 29, 2026
Other points cards with fees up to $100
- Citi Strata Premier - TravelCiti · $95 a year+$230 a year
- Bilt ObsidianBilt · $95 a year+$200 a year
- Bank of America Premium RewardsBank of America · $95 a year+$140 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).