Truist Enjoy Beyond by Truist: 3x flights / airfare, 3x hotels, 3x rental cars, 2x dining & restaurants, 1x everything else. $95 annual fee. 30,000-point…
The Truist Enjoy Beyond is Truist's mid-tier credit card. The $95/yr annual fee includes a 30,000-point welcome bonus after spending $1,500 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Travel Experience credit | $100/yr | Up to $100/yr in statement credits on eligible rideshare, streaming/TV, and ticket-agency purchases |
Welcome bonus value (year one): ~$300. Annual statement credits: $100. Minus the $95 annual fee = ~$305 in year-one net value before any spending earn. RewardsGuru rating: 3.5/5 — based on our net-value methodology.
Best fit: someone whose category spending matches the card's earn multipliers. Skip if: your spending pattern is flat across categories — a 2% flat-rate card would beat this.
30,000 points after spending $1,500 in the first 3 months. At our ~1¢/pt valuation, that's roughly $300 in real value.
Year-one math: welcome bonus value (~$300) + annual credits ($100) − $95 fee = ~$305 net before spending earn. Year-two onward, the credits alone need to clear $95 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
1 recurring statement credit: Travel Experience credit ($100/yr). Total: $100/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Truist's product page has the current rate.