Truist Enjoy Cash℠

Enjoy Cash pays either a flat 1.5% on everything, or 3%/2%/1% by chosen category up to a combined $1,000 per month. No other card in this catalog offers that choice; every other category card commits you to the category structure whether it suits you or not.

The maths is doable in a minute. On the category side, $1,000 a month at 3% is $30, against $15 at the flat 1.5% — so the categories are worth up to $15 a month, $180 a year, but only if you fill the cap in the 3% category every month. Spend above $1,000 and the extra earns the lower tiers; spend below it and the advantage shrinks proportionally.

Against a flat 2% card from another issuer, though, both options here look thin: 1.5% flat is a quarter below, and the 3% tier is capped where a 2% card isn't.

The intro period covers purchases and transfers for 12 months, which is more useful than a transfers-only offer if you have planned spending as well as a balance. Citi Double Cash's 18 months is longer but transfers-only; Chase Slate's 21 months is longer still but the card pays nothing.

The go-to rate is 17.74% to 26.74%. That 26.74% ceiling is among the lowest in this catalog — most cards here top out between 27% and 30% — which makes it a comparatively forgiving card if a balance does survive the intro period.

1.5% flat on everything, or 3% / 2% / 1% by category with a combined cap — and you pick which at application. No other card in this catalog asks that question up front; every other one hands you a structure and lets you use it or not.

The choice deserves more thought than it usually gets, because it is not revisited casually once the account exists. Both options are on this page for that reason: the comparison you need is between them, before it is between this card and any other.

The category structure pays 3% on fuel and 2% on groceries and utilities, with all of it drawing on a shared $1,000 of spending per month. Fill that $1,000 entirely at 3% and you earn $30; the flat 1.5% would pay $15 on the same money. The gap is real but bounded, and it closes fast as your spending in those categories falls short of the cap.

So the flat option wins unless fuel, groceries and utilities reliably account for something close to $1,000 a month of your spending. Below roughly half that, the simpler side is worth more than the higher headline — and it never needs managing.

1.5% flat on everything, or 3% / 2% / 1% by category with a combined cap — and you pick which at application. No other card in this catalog asks that question up front; every other one hands you a structure and lets you use it or not.

The choice deserves more thought than it usually gets, because it is not revisited casually once the account exists. Both options are on this page for that reason: the comparison you need is between them, before it is between this card and any other.

The category structure pays 3% on fuel and 2% on groceries and utilities, with all of it drawing on a shared $1,000 of spending per month. Fill that $1,000 entirely at 3% and you earn $30; the flat 1.5% would pay $15 on the same money. The gap is real but bounded, and it closes fast as your spending in those categories falls short of the cap.

So the flat option wins unless fuel, groceries and utilities reliably account for something close to $1,000 a month of your spending. Below roughly half that, the simpler side is worth more than the higher headline — and it never needs managing.