You’ll be awarded an annual travel experience statement credit up to $100 for ground transport and streaming services, and a statement credit of up to $120 for TSA PreCheck® or Global Entry® fee every four years 🎁
The Truist Enjoy Beyond Credit Card is designed for those who travel frequently and dine out often, offering a robust rewards program and a suite of benefits. We’ll dive deep into the features, benefits, and potential drawbacks of this credit card, helping you decide if it’s the right fit for your financial lifestyle.
Overview of the Truist Enjoy Beyond Credit Card
The Truist Enjoy Beyond Credit Card stands out with its impressive rewards structure. Cardholders can earn points based on their spending habits, making it particularly appealing for those who travel or dine out regularly. Let’s break down the key features of this card.
- Annual Fee: $195
- Bonus Offer: 30,000 bonus points after spending $1,500 within the first 90 days of account opening.
- APR: Variable APR ranging from 18% to 27% on purchases and balance transfers.
Rewards and Benefits
One of the main attractions of the Truist Enjoy Beyond Credit Card is its generous rewards program. Here’s a closer look at how you can earn points:
- 3x Points: Earn 3 points per dollar spent on travel purchases, including airfare, hotels, and car rentals.
- 2x Points: Earn 2 points per dollar spent on dining.
- 1x Points: Earn 1 point per dollar spent on all other eligible purchases.
In addition to the points earned, cardholders can take advantage of a variety of travel-related credits and services:
- Annual Travel Experience Statement Credit: Up to $100 for items such as ground transportation, streaming services, and ticket agencies.
- TSA PreCheck or Global Entry Fee Credit: Up to $100 statement credit awarded once every four years.
- Loyalty Cash Bonus: Based on your Truist deposit relationship, cash rewards can be redeemed into a Truist deposit account.
Card Features
The Truist Enjoy Beyond Credit Card is loaded with features that enhance usability and security:
- Metal Composite Card Design: A sleek and durable card that feels premium in your hand.
- Customizable Card Controls: For added security, cardholders can customize their card settings through the Truist mobile app.
- Contactless Payments: Quick and convenient transactions with contactless payment options.
- Visa Zero Liability Protection: Protection against unauthorized card use, ensuring peace of mind while traveling.
Comparing the Truist Enjoy Beyond Card
When considering the Truist Enjoy Beyond Credit Card, it’s essential to compare it to other similar cards on the market. Below, we’ll look at how it stacks up against its competitors in terms of rewards and fees.
Truist Enjoy Beyond vs. Other Travel Cards
To provide a clearer picture, let’s compare the Truist Enjoy Beyond Credit Card to a few other popular travel cards:
| Feature | Truist Enjoy Beyond | Competitor A | Competitor B |
|---|---|---|---|
| Annual Fee | $195 | $95 | $0 first year, then $89 |
| Bonus Points | 30,000 after $1,500 | 50,000 after $3,000 | 20,000 after $1,000 |
| Travel Points | 3x on travel | 2x on travel | 3x on travel |
| Dining Points | 2x on dining | 2x on dining | 2x on dining |
| Foreign Transaction Fee | None | 3% | None |
As shown in the comparison, the Truist Enjoy Beyond Credit Card’s annual fee is on the higher end, but it compensates with a robust rewards structure and valuable travel credits. Additionally, having no foreign transaction fees makes it a solid choice for international travelers.
Pros and Cons
Every credit card has its advantages and disadvantages. Here’s a quick rundown of the pros and cons of the Truist Enjoy Beyond Credit Card:
Pros
- Generous rewards on travel and dining.
- Significant bonus points offer for new cardholders.
- No foreign transaction fees.
- Annual travel statement credit and TSA PreCheck/Global Entry fee credit.
- Customizable card controls for enhanced security.
Cons
- High annual fee of $195.
- Variable APR can be high for some cardholders.
- Requires a minimum spend to earn bonus points.
Who Should Consider the Truist Enjoy Beyond Card?
The Truist Enjoy Beyond Credit Card is ideal for frequent travelers who want to maximize their rewards on travel-related purchases and dining. If you often spend on airfare, hotels, and restaurants, the 3x and 2x points can add up quickly. Additionally, if you value the annual travel credits and TSA PreCheck benefits, this card offers significant value.
However, if you’re someone who doesn’t travel much or prefers a card with no annual fee, you might want to explore other options that offer lower costs with adequate rewards.
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