Truist Enjoy Beyond℠

$95 buys 3x on travel, 2x on dining and 1x elsewhere. In the same tier this catalog has Capital One Venture at 2x on absolutely everything, Bank of America Premium Rewards at 2x on travel and dining with a 1.5x base, Citi Strata Premier at 10x through the portal plus 3x on dining and fuel, and Wells Fargo Autograph Journey at 5x hotels and 4x airlines booked direct.

Against that field, 3x travel and 2x dining with a 1x base is the plainest offering. Nothing about it is bad; it just doesn't do anything the others don't do better or more broadly, and the 1x base rate is the weakest part of a fee card's structure.

Two things, both about relationship rather than rates. If your banking is already at Truist, a card at the same institution simplifies statements, transfers and support, and Truist's apps rate 4.8 on both stores — one of only two banks in this catalog to manage that on iOS and Android at once.

The APR is 18.74% to 27.74%, identical to the free Enjoy Travel card. That's slightly unusual: most issuers price their premium card's floor above the free one. Here you're paying $95 purely for the earning rates, with no rate penalty attached.

3x on travel, 2x on dining, 1x on everything else. Among the six cards charging $95 in this catalog, that is the narrowest bonus structure and the lowest top multiple — Wells Fargo Autograph Journey reaches 5x, Citi Strata Premier 10x through its portal, Chase Sapphire Preferred 5x through Chase Travel.

There is no portal rate here at all, which cuts both ways: nothing inflates the headline, and nothing requires you to book through anybody's channel to earn the advertised number. What you see is what applies wherever you buy.

On published multiples alone this card is hard to place against its $95 peers. It makes more sense read as the top of Truist's own three-card lineup — Enjoy Cash for categories, Enjoy Travel with no fee at 2x on travel, this one at 3x — where the choice is being made inside one bank rather than across eleven.

Its 18.74% floor is the lowest of the $95 group here, which is a genuine point in its favour and the one number where it beats every peer. On a card you intend to clear monthly that is worth little; on one where a balance might linger, it is worth more than a multiple.

3x on travel, 2x on dining, 1x on everything else. Among the six cards charging $95 in this catalog, that is the narrowest bonus structure and the lowest top multiple — Wells Fargo Autograph Journey reaches 5x, Citi Strata Premier 10x through its portal, Chase Sapphire Preferred 5x through Chase Travel.

There is no portal rate here at all, which cuts both ways: nothing inflates the headline, and nothing requires you to book through anybody's channel to earn the advertised number. What you see is what applies wherever you buy.

On published multiples alone this card is hard to place against its $95 peers. It makes more sense read as the top of Truist's own three-card lineup — Enjoy Cash for categories, Enjoy Travel with no fee at 2x on travel, this one at 3x — where the choice is being made inside one bank rather than across eleven.

Its 18.74% floor is the lowest of the $95 group here, which is a genuine point in its favour and the one number where it beats every peer. On a card you intend to clear monthly that is worth little; on one where a balance might linger, it is worth more than a multiple.