Truist Enjoy Cash Secured vs Wells Fargo Choice Privileges Mastercard
Truist Enjoy Cash Secured earns more in 4 of the 7 categories we track. Neither has an annual fee.
The basics
| Detail | Truist Enjoy Cash Secured | Wells Fargo Choice Privileges Mastercard |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Cash Back | Choice Privileges Points |
| Each point is worth | 1.00¢ | 0.75¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | — | 40,000 Choice Privileges Points after $1,000 in 3 months |
What each earns
| Category | Truist Enjoy Cash Secured | Wells Fargo Choice Privileges Mastercard |
|---|---|---|
| Gas Stations | 3.0% (higher) 3x, up to $1,000 | 2.3% 3x |
| EV Charging | 3.0% (higher) 3x, up to $1,000 | 2.3% 3x |
| Groceries | 2.0% 2x, up to $1,000 | 2.3% (higher) 3x |
| Home Improvement | 1.0% 1x | 2.3% (higher) 3x |
| Phone & Wireless | 1.0% 1x | 2.3% (higher) 3x |
| Utilities | 2.0% (higher) 2x, up to $1,000 | 0.8% 1x |
| Everything else | 1.0% (higher) 1x | 0.8% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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