PenFed Platinum Rewards Visa Signature® Card vs Truist Enjoy Cash Secured
PenFed Platinum Rewards Visa Signature® Card earns more in 5 of the 7 categories we track. Neither has an annual fee.
The basics
| Detail | PenFed Platinum Rewards Visa Signature® Card | Truist Enjoy Cash Secured |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | PenFed Points | Cash Back |
| Each point is worth | 0.85¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | 15,000 PenFed Points after $1,500 in 90 days | — |
What each earns
| Category | PenFed Platinum Rewards Visa Signature® Card | Truist Enjoy Cash Secured |
|---|---|---|
| Gas Stations | 4.3% (higher) 5x | 3.0% 3x, up to $1,000 |
| EV Charging | 4.3% (higher) 5x | 3.0% 3x, up to $1,000 |
| Groceries | 2.5% (higher) 3x | 2.0% 2x, up to $1,000 |
| Dining & Restaurants | 2.5% (higher) 3x | 1.0% 1x |
| Streaming | 2.5% (higher) 3x | 1.0% 1x |
| Utilities | 0.8% 1x | 2.0% (higher) 2x, up to $1,000 |
| Everything else | 0.8% 1x | 1.0% (higher) 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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