Enjoy Beyond pays 3x points on airlines, hotels, and car rentals and 2x on dining, with a $95 annual fee and no foreign transaction fees, which is a competitive rate set for the price. The 30,000 point bonus after only $1,500 in spend within three months is an easy target, and the card adds up to $100 a year in statement credits for ground transportation, streaming, and ticket agencies plus a Global Entry or TSA PreCheck credit worth up to $120 every four years. Between the annual credit and the application fee reimbursement, the fee is straightforward to cover. The real variable is the Loyalty Cash Bonus, which adds 10% to 50% on points redeemed into an eligible Truist deposit account based on your combined balances, so the card's value swings widely depending on how much you keep with Truist. Everything outside travel and dining earns 1x, and there is no lounge access, so this is a mid-tier travel card for Truist customers rather than a premium one.
Earn rates & credits
| Category | Rate |
|---|---|
Airlines | 3x |
Hotels | 3x |
Car Rentals | 3x |
Dining | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Travel Experience Credit Up to $100 in annual statement credits for ground transportation, streaming services, and ticket agencies | $100 /yr |
Global Entry / TSA PreCheck Credit Up to $120 statement credit for a Global Entry or TSA PreCheck application fee, once every four years | $120 every 4 yr |
Loyalty Cash Bonus 10% to 50% bonus on points redeemed into an eligible Truist deposit account, with the tier set by your combined Truist balances | 10% |
| Total annual credits | $130 |
Card details
Regular APR | 18.74%–27.74% variable |
Foreign transaction fee | None |