Truist Enjoy Cash 1.5%

The Enjoy Cash 1.5% is a simple flat-rate card: 1.5% cash back on everything, no annual fee, no foreign transaction fee, and a 12-month 0% intro APR on both purchases and balance transfers. The real twist is the Loyalty Cash Bonus, which adds 10% to 50% on rewards redeemed into an eligible Truist deposit account, with the tier set by your combined Truist balances. That means existing Truist banking customers can push the effective rate meaningfully above 1.5%, while everyone else is left with a plain flat-rate card. Without that relationship, 1.5% is an ordinary return, and there are no bonus categories or signup bonus to make up the difference. It makes the most sense if you already bank with Truist and want one no-fee card that rewards keeping your money there.