THE CARDTUNED DATABASE
Truist Enjoy Beyond Credit Card
Issuer: Truist · Network: Visa
Premium points-earning card with travel-focused credits and relationship bonuses under current program
- Annual fee
- $95
- Foreign transaction fee
- $0
- Intro APR
- No public introductory APR listed; promotional terms, if any, are disclosed in the application.
- Regular APR
- 18.74%–27.74% variable APR on purchases and balance transfers
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
30,000 bonus points after $1,500 in purchases within 90 days of account opening.
- Spending requirement
- $1,500 in purchases
- Time window
- within 90 days
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Flights & Hotels & Car rentals | 3X | Unlimited — points on eligible airfare, hotels, and car rentals. |
| Dining | 2X | Unlimited — points on dining and 1X on other eligible purchases. |
Additional benefits
• Receive up to $100 per calendar year in Travel Experience statement credits for eligible ground transportation, streaming, and ticket-agency purchases.
• Receive up to $120 in Global Entry or TSA PreCheck application-fee credits once every 4 years.
• Points can be redeemed through Truist’s rewards program, with eligible relationship bonuses based on qualifying Truist deposits.
• Visa protections, customizable card controls, contactless payment, and mobile-wallet support.
Restrictions to know
30,000-point offer requires $1,500 in purchases within 90 days. Annual fee is $95. Travel Experience credits are capped at $100 per calendar year and depend on merchant category coding for eligible ground transport, streaming/pay-TV, and ticket-agency purchases. Global Entry/TSA PreCheck credits are capped at $120 in aggregate across eligible cardholder accounts per 4-year period. Relationship bonuses and redemption value depend on qualifying Truist deposit relationships and redemption method.
Who can apply
U.S. applicant of legal age; subject to Truist credit approval, identity and income verification, and current product/application rules.
Credit profile: Not Public / issuer underwriting applies