Enjoy Cash Credit CardTruist · NM bank, AL · FDIC 9846

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecuredFiled as “Truist Enjoy Cash Credit Card”

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Purchase APR

18.74%–27.74%

great to good

Balance transfer

0% introductory · reported median duration 12 mo

no ongoing rate filed

Cash advance APR

27.74%

variable

Annual fee

a year

Foreign fee

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, reported median duration 12 months	0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 18.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 21.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	18.74%–27.74% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfersintroductory rate first	0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	27.74% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	4% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	3% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$27Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Repeat late fee within six billing cycles	$40Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer terms	YesConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

enjoy-cash-consumer-credit-card-agreement - 010226page 18 of 19

Section 14: Definitions

Account: Your Consumer Credit Card Account for which Truist is the credit card issuer; this includes all related Card(s) used to access the Consumer Credit Card Account credit. An Account with multiple Account Holders may be referred to as a Joint Account. Joint Account Holders are joint and severally liable for the Account.

Authorized User: Any person you authorize to use a Card or the Account. Every Cardholder is an Authorized User.

Balance: Each Transaction, fee, interest charge, or other charge associated with the Account is assigned to a specific Transaction type; the sum of all Transactions in a Transaction type is referred to as the Balance for that Transaction type (e.g., the Balance on Purchases). The Balance for each Transaction type includes Transactions that you, any Cardholder, and Authorized User make as well as interest and fees that Truist assesses on those Transactions. We will assign fees that we assess on a specific Transaction type to the Balance for that Transaction type (e.g., a Balance Transfer fee on a Balance Transfer). Fees that are not specific to a given Transaction type (e.g., Late Payment Fee) are assigned to the Balance on Purchases.

Balance Transfer: A Transaction wherein a balance is transferred from another creditor to the Account.

Bank, Truist, we, us, and our: Mean Truist Bank, its agents, authorized representatives, successors, and assignees.

Billing Cycle: The period of time reflected on a Statement. The length of this period may vary but is typically approximately thirty (30) days. Your Account will have a Billing Cycle even if no Statement is required.

Consumer Credit Card Terms and Disclosures: This disclosure document provides rates, costs, and fees information for the Account and is included in your new credit card mailer.

Card: Each and every Truist Consumer Credit Card including physical credit card(s), 16-digit number(s) linked to the Account, virtual card(s), or any other evolutionary device(s) that you or an Authorized User can use to access the Account to obtain credit.

Card Association Network: A network of merchants, issuing banks, and acquiring banks that process payment cards in relation to Transactions. Visa USA Inc. ('Visa') and Mastercard International Incorporated ('Mastercard') are examples of established Card Association Networks.

Cardholder: Any individual who is identified by the Account Holder to be issued a Card associated with the Account and is thereby expressly authorized to use that Card and the Account to make Transactions.

Cash Advance: A loan using the Account to obtain cash or things we consider cash-equivalents (e.g., wire transfers, cryptocurrency, travelers' checks, ATM withdrawals, overdraft protection, money orders, foreign currency, lottery tickets, or gambling chips or wagers). Truist does not determine the Merchant Category Codes (MCC) assigned to cash-equivalent Transactions; the respective Card Association Networks do. Truist is dependent on the MCC codes provided by the applicable Card Association Networks when determining whether a Transaction is a Cash Advance; certain Transactions, including the purchase of quasi-cash items and peer-to-peer transfers, may also be categorized by the Card Association Network using a Cash Advance MCC.

Convenience Check: This is a check that Truist may provide to you. The check can be used to access the Account to make a Transaction.

Credit Limit: This is the total dollar amount of credit we assign to the Account for you to access to make Transactions associated with the Account.

Default: Any failure by you to maintain the payment obligations related to the Agreement/the Account or any failure by you to comply with the terms of the Agreement. See also 'When the Account is in Default' section.

Due Date: The date by which Truist must receive at least the Minimum Payment on a Statement for the payment to be deemed on time. Truist must receive your payment by 11:59 pm ET on the Due Date stated in your Statement. Your Due Date will occur on the same calendar day of each month. It will be at least 21 days after the date Truist mails your Statement and at least 25 days after the end of your most recently concluded Billing Cycle.

Good Standing: This generally means that the Account is not in Default and you are in full compliance with the terms of the Agreement; the Bank, using its sole and absolute discretion, determines whether the Account is in Good Standing.

Grace Period: The time period during which you may avoid paying interest on

Purchases. There is no Grace Period for Balance Transfers, Cash Advances, or overdraft protection transfers.

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19Page 18 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Truist Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 18
“Purchases. There is no Grace Period for Balance Transfers, Cash Advances, or overdraft protection transfers.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Truist Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 18
“Purchases. There is no Grace Period for Balance Transfers, Cash Advances, or overdraft protection transfers.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Intro APR max, Intro APR median, Intro APR min, Introductory APR Offered?, Median Length of Introductory APR, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Additional Fees, Other Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:truist-bank:truist-enjoy-cash-credit-card
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Truist
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 9846
Branches: 1,931 in AL, AR, DC, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV
Sources: Government dataset · 1 document · 1 page cited

Documents

enjoy-cash-consumer-credit-card-agreement - 010226effective date not parsed

Enjoy Cash Credit CardTruist · NM bank, AL · FDIC 9846

Rates and fees