Truist Truist Enjoy Beyond vs Truist Enjoy Cash Secured
Both are Truist cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Truist Enjoy Beyond 1.0% 1x base rate
- Truist Enjoy Cash Secured 1.0% 1% base rate
Dining
- Truist Enjoy Beyond 2.0% 2x
- Truist Enjoy Cash Secured 1.0% 1% base rate
Groceries
- Truist Enjoy Cash Secured 2.0% 2%
- Truist Enjoy Beyond 1.0% 1x base rate
Gas
- Truist Enjoy Cash Secured 3.0% 3%
- Truist Enjoy Beyond 1.0% 1x base rate
Utilities
- Truist Enjoy Cash Secured 2.0% 2%
- Truist Enjoy Beyond 1.0% 1x base rate
Flights
- Truist Enjoy Beyond 3.0% 3x
- Truist Enjoy Cash Secured 1.0% 1% base rate
Hotels
- Truist Enjoy Beyond 3.0% 3x
- Truist Enjoy Cash Secured 1.0% 1% base rate
Car rental
- Truist Enjoy Beyond 3.0% 3x
- Truist Enjoy Cash Secured 1.0% 1% base rate
What the numbers are doing
The table is earn rate only — annual fees are not netted out of it. These cards charge Truist Enjoy Beyond $95 and Truist Enjoy Cash Secured $0 a year, so a thin lead in one category may not cover the difference.
Where they differ: Truist Enjoy Beyond takes dining, flights, hotels and car rental; Truist Enjoy Cash Secured takes groceries, gas and utilities.
| Category | Best card |
|---|---|
| Everything else | Truist Enjoy Beyond1.0% |
| Dining | Truist Enjoy Beyond2.0% |
| Groceries | Truist Enjoy Cash Secured2.0% |
| Gas | Truist Enjoy Cash Secured3.0% |
| Utilities | Truist Enjoy Cash Secured2.0% |
| Flights | Truist Enjoy Beyond3.0% |
| Hotels | Truist Enjoy Beyond3.0% |
| Car rental | Truist Enjoy Beyond3.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Truist Enjoy Beyond — 1.0%
- Truist Enjoy Cash Secured — 1.0%
Dining
- Truist Enjoy Beyond — 2.0%
- Truist Enjoy Cash Secured — 1.0%
Groceries
- Truist Enjoy Cash Secured — 2.0%
- Truist Enjoy Beyond — 1.0%
Gas
- Truist Enjoy Cash Secured — 3.0%
- Truist Enjoy Beyond — 1.0%
Utilities
- Truist Enjoy Cash Secured — 2.0%
- Truist Enjoy Beyond — 1.0%
Flights
- Truist Enjoy Beyond — 3.0%
- Truist Enjoy Cash Secured — 1.0%
Hotels
- Truist Enjoy Beyond — 3.0%
- Truist Enjoy Cash Secured — 1.0%
Car rental
- Truist Enjoy Beyond — 3.0%
- Truist Enjoy Cash Secured — 1.0%
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