Enjoy Cash Secured

Built for someone who wants a secured card with no annual fee and a little extra value on everyday driving and grocery spending, Enjoy Cash Secured is more practical than flashy. It works best as a credit-building card you can keep in regular rotation, not as a long-term rewards powerhouse.

Annual Fee

Rec. Credit Score

Good

Good For

Credit building

How to Apply Estimate your value

All information about Enjoy Cash Secured has been collected independently by MaxRewards. Enjoy Cash Secured is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Enjoy Cash Secured worth it?

This card is great for...

Credit building with rewards

Gas spending

No foreign transaction fees

Yes, if your main goal is building or rebuilding credit and you want a secured card that offers better everyday rewards than many cards in this category. The 3% back on gas is useful for commuters, and the 2% back on groceries, capped at $1,000 in spend, adds a little more value for basic household purchases. With no annual fee and no foreign transaction fees, it is easier to keep costs down while you work on your credit profile.

It is less compelling if you are not specifically looking for a secured card. Outside of gas and limited grocery spending, earnings fall to 1%, and there are no meaningful side benefits to help it stand out. If your credit is strong enough to qualify for an unsecured cash back card, you will likely find a better long-term fit elsewhere.

MaxRewards Verdict

Enjoy Cash Secured makes sense for a cardholder who needs a secured card now but still wants decent rewards on gas and some grocery spending. Its main limitation is simple: once you can qualify for a stronger unsecured card, this is probably no longer your best everyday option.

Earning

Rewards

This card keeps rewards simple with cash back, led by gas purchases and a smaller grocery bonus category. In practice, the value is strongest if your spending lines up with those everyday categories, since everything else earns 1% back.

CategoryRate

Gas

Grocery

Up to $1,000 spend per year

Everywhere

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing