Truist Enjoy Beyond
Truist and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Truist. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Truist Enjoy Beyond from Truist earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $195. New applicants may see: 30,000 bonus points after you spend $1,500 within 90 days of account opening.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $195
Best for dining-heavy spend when the $195 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Truist Enjoy Beyond earn in each category?
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Truist Enjoy Beyond compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight flights at.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Truist Enjoy Beyond compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Truist miles at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Truist Enjoy Beyond reward caps and conditions?
The Truist Enjoy Beyond has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2x on dining
Who should get the Truist Enjoy Beyond?
The Truist Enjoy Beyond fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Truist Enjoy Beyond fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $195 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $195 annual fee requires enough spend in bonus categories to offset.
- Truist miles value depends on how you redeem, not straight cash back.
What is the Truist Enjoy Beyond welcome bonus?
In Madeen's catalog snapshot, the Truist Enjoy Beyond welcome offer is 30,000 bonus points after you spend $1,500 within 90 days of account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 30k Truist miles (~$300 estimated)
- Terms (catalog snapshot)
- 30,000 bonus points after you spend $1,500 within 90 days of account opening
- Minimum spend
- $1,500
- Window
- 90Days
Does the Truist Enjoy Beyond have an annual fee?
The Truist Enjoy Beyond has an annual fee of $195 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $195
- Foreign transaction fee
- None
What travel perks does the Truist Enjoy Beyond include?
The Truist Enjoy Beyond includes Trusted traveler credit, $100 annual travel experience credit, Booking.com, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
$120/yrUp to $120 statement credit for TSA PreCheck® or Global Entry® fee awarded once every four years
How we value this
Editorial: Global Entry application fee ($120) is the standard trusted-traveler credit ceiling on premium cards; TSA PreCheck alone is $85.
What benefits come with the Truist Enjoy Beyond?
Travel Accident Insurance
$3,000/yrYou and your dependents become covered automatically when the entire Common Carrier fare is charged to your covered Visa Signature card account.
Roadside Dispatch®
$1,000/yrRoadside Dispatch will ask you where you are, what the problem is, and while they remain on the phone with you, they will arrange a dispatch to a reliable tow operator or locksmith to provide help.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
$100 annual travel experience credit
$100/yrReceive up to $100 annual travel experience statement credit for items such as ground transport, streaming services, and ticket agencies
Travel and Emergency Assistance Services
$10/yrEmergencies can escalate quickly when You are traveling away from home. Something that is relatively straight forward when You are not traveling, like replacing prescription medication, can be a difficult task when You are dealing with local laws or language barriers.
Loyalty Cash Bonus
based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account.
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Dovly Uplift™
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Related encyclopedia topics
Common questions about the Truist Enjoy Beyond
Where do cardholders spend most with the Truist Enjoy Beyond?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (3x), lodging (3x), other travel (3x) for the Truist Enjoy Beyond. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Truist Enjoy Beyond have an annual fee?
The Truist Enjoy Beyond carries an annual fee of $195 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Truist Enjoy Beyond?
Dining is the strongest Madeen category for the Truist Enjoy Beyond at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Truist Enjoy Beyond charge foreign transaction fees?
The Truist Enjoy Beyond does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Truist Enjoy Beyond welcome bonus?
The Truist Enjoy Beyond welcome offer in our snapshot: 30,000 bonus points after you spend $1,500 within 90 days of account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Truist Enjoy Beyond annual fee worth it?
Whether the $195 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the Truist Enjoy Beyond compare to similar cards?
Compare the Truist Enjoy Beyond against Truist Business Premium (2% on Dining, $299 fee); Truist Enjoy Cash (1.5%) (1.5% on Dining, $0 fee); Truist Business (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Truist Enjoy Beyond This card | Dining | 2% | $195 |
Truist | Dining | 2% | $299 |
Truist | Dining | 1.5% | $0 |
Truist | Dining | 0% | $0 |
Truist | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Truist and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Truist. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure