Truist Enjoy Cash Secured

Earns the most on gas stations and EV charging, about 3.0% back. Everything else earns 1.0%.

Annual fee: None
Rewards: Cash Back

View on Truist’s siteCompare

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3.0%back on gas stations

Where it earns

Gas Stations
On the first $1,000 of purchases, then the base rate. 3% on gas; Up to $1,000 combined spend each month across the 3% and 2% categories.
3.0%
EV Charging
On the first $1,000 of purchases, then the base rate. 3% on EV charging; Up to $1,000 combined spend each month across the 3% and 2% categories.
3.0%
Utilities
On the first $1,000 of purchases, then the base rate. 2% on utilities; Up to $1,000 combined spend each month across the 3% and 2% categories.
2.0%
Groceries
On the first $1,000 of purchases, then the base rate. 2% on groceries; Up to $1,000 combined spend each month across the 3% and 2% categories.
2.0%
Everywhere else
1.0%

Rates are cash back per dollar spent. How we value rewards

Card details

Last verified: Nov 5, 2026

What does a “cap” mean?

Some bonuses only apply up to a spending limit — say 6% on the first $6,000 a year at U.S. supermarkets. Past the cap, the card earns its base rate (often 1%). Log your spend in your wallet and our answers switch to your next best card once a cap is used up.

Pairs well with

The cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending

Capital One Venture Rewards Credit Card
$95 a year
+$559
a year
GM Rewards Mastercard
No annual fee
+$538
a year
Robinhood Gold Card
$50 a year
+$488
a year

Compare it with

U.S. Bank Cash+ Secured Visa Card Citi Strata℠ Card AT&T Points Plus® Card from Citi Bank of America® Customized Cash Rewards Credit Card for Students

Fees, credits and offers change often. Check Truist’s page for current terms before you apply.