The Truist Enjoy Cash Secured Credit Card is a personal credit card from Truist Enjoy Cash Secured Credit Card. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 26.74% variable APR on purchases and balance transfers after a 0% intro APR on purchases for 12 months introductory rate for 12 months. Rewards: 3% cash back on gas and EV charging, 2% on utilities and groceries (up to the $1,000 monthly spend cap), 1% on all other eligible purchases.