Truist Enjoy Travel℠

2x miles on airfare, hotels and car rentals, 1x on everything else. Compared with the free travel cards elsewhere in this catalog, that's a narrower net and a lower rate: Wells Fargo Autograph pays 3x across six categories including travel, Citi Strata Card pays 5x through its portal and 3x at supermarkets, and U.S. Bank Altitude Connect pays 4x on travel and fuel — all with no annual fee.

The 1x base is the bigger issue. Outside those three travel categories the card earns half what a flat 2% cash-back card would, which means holding it as a primary card costs you money on every ordinary purchase.

It costs nothing. A no-fee card used only for the categories where it wins — airfare, hotels, car rentals — and left alone the rest of the month is a perfectly rational way to hold a mediocre card, and keeping an old account open helps the average age of your credit file.

The APR is 18.74% to 27.74%, unremarkable for this catalog. There's no verified intro 0% period, so there's no interest-free window to plan a trip around either.

2x miles on airfare, hotels and car rentals, 1x on everything else, no annual fee. There is no portal to book through, no category to select, no cap to track and no quarterly activation — which among the travel cards in this catalog makes it the only one that asks nothing of you at all.

The rate is modest and it is honest about being modest. Nothing here is inflated by a booking channel, so the 2x you read is the 2x you get wherever you buy the ticket.

Four cards in this catalog pay 2% on everything with no fee. Against those, this card matches their rate on travel and pays half of it everywhere else, so on published figures alone it is behind unless travel dominates your spending — which for most people it does not.

The case for it is holding it alongside a Truist current account, where the miles and the banking sit together, rather than as a standalone earner. Judged purely on the rate card, one of the flat 2% options in this catalog does more for the same money.

2x miles on airfare, hotels and car rentals, 1x on everything else, no annual fee. There is no portal to book through, no category to select, no cap to track and no quarterly activation — which among the travel cards in this catalog makes it the only one that asks nothing of you at all.

The rate is modest and it is honest about being modest. Nothing here is inflated by a booking channel, so the 2x you read is the 2x you get wherever you buy the ticket.

Four cards in this catalog pay 2% on everything with no fee. Against those, this card matches their rate on travel and pays half of it everywhere else, so on published figures alone it is behind unless travel dominates your spending — which for most people it does not.

The case for it is holding it alongside a Truist current account, where the miles and the banking sit together, rather than as a standalone earner. Judged purely on the rate card, one of the flat 2% options in this catalog does more for the same money.