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Card Review

Credit CardTruist
Enjoy Cash Secured credit card

Enjoy Cash Secured

Annual Fee

$19Charged Yearly

Welcome Bonus

See Issuer

EST. Net Value

$273/yr

Credit Score

Varies

Top Earn Rate

3x gas

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Last updated November 5, 2026 | Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly).
Verify current terms on the issuer site.

Advertiser disclosure:
Flo may receive compensation from card issuers when you click “Apply” and are approved. This does not affect our rankings or calculator math. Read our advertising policy and methodology.

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Gas

3x

Everything else

1x

Overview

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

The Enjoy Cash Secured from Truist carries a $19 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $291.60 in rewards plus $0.00 in credits and perks — $272.60 net per year before welcome bonuses.

How the points work

3% cash back on gas and 2% cash back on utilities and groceries (up to the $1,000 monthly spend cap)

1% on all other eligible purchases

Earning rates

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

CategoryRate
  • Gas
    3×
  • Everything elseAll Purchases
    1×

Transfer partners

Where this card's points can go, and at what ratio. 12 partners.

  • Air Canada Aeroplan1:1
  • Air France KLM Flying Blue1:1
  • British Airways Avios1:1
  • 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−$19
Stated credits+$0
Perks (est.)+$0
Net after credits & perks-$19

Verdict

Fee exceeds stated credits & perks

You'll need enough rewards on your spend to cover the gap — model that below.

Full AnalysisRewards Calculator

Flo 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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Rewards Calculator

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

$273/yr

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Estimates for illustrative purposes. See methodology

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FAQ's

  • Issuers generally look for good-to-excellent credit; exact thresholds vary.

  • See the annual fee analysis above, or open the full calculator to model credits and perks against $19 per year.

  • Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.

Ready to apply?

Enjoy Cash Secured

Apply Now