The Truist Enjoy Beyond earns 3 points per dollar on airlines, hotels, and car rentals and 2 points on dining, with no foreign transaction fee, making it a reasonable travel card for Truist customers. The $95 annual fee is partly offset by up to $100 in annual credits for ground transportation, streaming, and ticket agencies, plus a Global Entry or TSA PreCheck credit of up to $120 every four years. The catch is that its best value is tied to a Truist relationship: the loyalty bonus of 10% to 50% applies only when you redeem into an eligible Truist deposit account, and the fee waiver is limited to Truist Wealth clients with an assigned advisor. The 30,000 point bonus after $1,500 in spend within three months is modest, and everything else earns 1x. Without Truist deposits, competing travel cards at the same fee will likely serve you better.
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 |