The Enjoy Cash 3-2-1 pays 3% cash back on gas and EV charging and 2% on groceries and utilities, with no annual fee and a 12-month 0% intro APR on purchases and balance transfers. The catch is a tight cap: those 3% and 2% rates share a combined $1,000 monthly spending limit, after which everything drops to 1%, the same as the base rate on all other purchases. That cap is fine for a modest household budget but limits the upside for heavier spenders. Truist banking customers get extra mileage from the Loyalty Cash Bonus, which adds 10% to 50% on rewards redeemed into an eligible Truist deposit account depending on combined balances. No foreign transaction fee rounds it out, making this a solid everyday card for existing Truist customers whose gas and grocery spend fits under the cap.
Earn rates & credits
| Category | Rate |
|---|---|
Gas $1,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $1,000/mo, then 1% | 3% |
EV Charging $1,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $1,000/mo, then 1% | 3% |
Groceries $1,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $1,000/mo, then 1% | 2% |
Utilities $1,000 combined monthly cap across the 3% and 2% categories; 1% thereafter on first $1,000/mo, then 1% | 2% |
Everything Else | 1% |
| Benefit | Value |
|---|---|
Loyalty Cash Bonus 10% to 50% bonus on cash rewards redeemed into an eligible Truist deposit account, with the tier set by your combined Truist balances | 10% |
Card details
Regular APR | 18.74%–27.74% variable |
Intro APR on purchases | 0% for 12 months |
Intro APR on balance transfers | 0% for 12 months |
Foreign transaction fee | None |