Truist · Visa · Personal
Truist Enjoy Beyond
A $95-a-year card earning Truist Rewards: 3× on 3 categories, 1× on everything else.
- Annual fee
- $95Charged every year
- Signup bonus
- 30,000 ≈ $300 in travel (our estimate)*
- Top rate
- 3×3 categories
- Point value
- 1¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 30,000 points | $300 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$95 | −$95 |
| NetYear one includes the bonus · at your inputs · our estimates* | $205 | −$95 |
Bonus terms: 30,000 bonus points after you spend $1,500 on purchases within 90 days of account opening.
Earning structure
5 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare | 3× | $3.00 | |
| Car Rentals | 3× | $3.00 | |
| Hotels | 3× | $3.00 | |
| Dining | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $95
- Card type
- Personal
- Network
- Visa
- Bank
- Truist
- Point system
- Truist Rewards
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Benefits2 · 2 high value
- Airport Express Credits High valueTSA PreCheck or Global Entry Credit
- Credits & Discounts High value$100 Travel & Streaming Credit
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Truist Enjoy Beyond |  Truist Enjoy Travel |  Bank of America Premium Rewards |  PenFed Pathfinder Rewards | |
|---|---|---|---|---|
| Annual fee | $95 | $0−$95 | $95Same | $95Same |
| Signup bonus | 30,000 pts | 20,000 pts | 60,000 pts | 50,000 pts |
| Top rate | 3×3 categories | 2×3 categories | 2×12 categories | 4×12 categories |
| Travel value * | 1¢Truist Rewards | 1¢Truist Rewards | 1¢Travel Rewards | 0.85¢PenFed Platinum Rewards |
| Why it’s here | This card | Same issuer and the same Truist Rewards points, with no annual fee | Same $95 annual fee | Same $95 annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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