What credit score do I need for the Enjoy Beyond?

A good-to-excellent credit score is generally recommended.

Is the Enjoy Beyond's annual fee worth it?

It charges $195 a year; weigh that against its credits, perks and your rewards.

How do I calculate rewards on the Enjoy Beyond?

Use WalletFlo's reward calculator at /tools/rewards-calc/enjoy-beyond to model net value on your spending.

Truist

Enjoy Beyond

oth 3xtra 3x

credit

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Card review

Enjoy Beyond

Truist

Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.

Annual fee

$195

Welcome bonus

See issuer

Est. net value

$400/yr

Credit score

Varies

Top earn rate

3x everything else

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Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Enjoy Beyond from Truist carries a $195 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $394.80 in rewards plus $200.00 in credits and perks — $399.80 net per year before welcome bonuses.

How the points work

3X on airfare, hotels, and car rentals

2X on dining

1X on all other eligible purchases

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

Category	Rate
Everything elseAirfare	3×
TravelHotels	3×
Everything elseCar rentals	3×
DiningDining	2×
Everything elseAll Purchases	1×

Credits & benefits

Statement credits and perks we model in net-value calculations.

Credits

Travel$100/yr
Receive up to $100 annual travel experience statement credit for items such as: - Taxicabs, Limousines and Rideshare Services, - Cable, Satellite and Other Pay Television/Radio/Streaming Services, - Ticket Agencies and Theatrical Producers (Except Motion Pictures).
Global Entry$100/yr
Get one $100 statement credit for Global Entry or one $85 statement credit for TSA Pre-Check every 4 years.

Transfer partners

Where this card's points can go, and at what ratio. 13 partners.

Air Canada Aeroplan1:1
Air France KLM Flying Blue1:1
British Airways Avios1:1
Emirates Skywards1:1
Iberia Plus1:1
JetBlue TrueBlue1:1
Singapore KrisFlyer1:1
Southwest Rapid Rewards1:1
United MileagePlus1:1
Virgin Atlantic Flying Club1:1
World of Hyatt1:1
IHG One Rewards1:1
Marriott Bonvoy1:1

Work out what a transfer is worth in the transfer calculator.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee: −$195
Stated credits: +$200
Perks (est.): +$0
Net after credits & perks: $5

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

Full analysisRewards calc

WalletFlo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward Calculator

Estimate annual rewards and net value on your spend.

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Side by Side Compare

Compare against another card with the same spend profile.

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Is the Annual Fee Worth it?

See if credits and perks offset the annual fee.

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Points & Miles → $ Converter

Convert points and miles to estimated cash value.

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Awards vs Cash Calculator

Compare redeeming points for travel vs cash back.

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Transfer Partner Calculator

Explore transfer partner conversions across programs.

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Reward calculator

Model this card on your spend — adjust categories and compare with others.

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Frequently asked questions

What credit score do I need?: Issuers generally look for good-to-excellent credit; exact thresholds vary.
Is the annual fee worth it?: See the annual fee analysis above, or open the full calculator to model credits and perks against $195 per year.

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