The Truist Enjoy Cash is a personal credit card from Truist Enjoy Cash. Application typically pulls a hard report from Experian. The annual fee is None. The ongoing APR is 18.74% – 27.74% variable APR on purchases and balance transfers after intro rate expires after a 0% intro APR on purchases for 12 months after account opening introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: Earn 3% cash back on gas and EV charging and 2% on utilities and groceries (with a combined $1,000 monthly spend cap)—and 1% on all other eligible purchases.. Cash back: 3% on gas and EV charging, 2% on utilities and groceries, 1% on all other eligible purchases or 1.5% on all eligible purchases. This product reports activity to your personal credit report. Great for combining a 0% APR window with flexible cash-back based on your spending habits. Ally Everyday Cash Back Mastercard. BT Fee: 3% of each transfer, minimum $10. Post-intro APR: 19.49% – 28.49% variable