SunTrust Secured Card

SunTrust Secured Credit Card with Cash Rewards

The SunTrust Secured Credit Card with Cash Rewards offers the conveniences and benefits of a credit card, like earning cash back on qualifying purchases,1 while you work to build your credit history.

The SunTrust Secured Credit Card with Cash Rewards rewards you with 2% cash back on the first $6,000 spent annually on qualifying gas and grocery store purchases and UNLIMITED 1% cash back on all other qualifying purchases. Plus, you'll get all the outstanding service and personal attention you'd expect from a bank like SunTrust.1

Call 800.SUNTRUST or visit your local SunTrust branch to discuss your financial needs and begin your application process.

Your SunTrust Secured Credit Card with Cash Rewards looks just like any other card and you can use it anywhere MasterCard® is accepted.

  • Builds or establishes credit. When you use your card, we report your payment history to the major credit bureaus, helping you to build or restore your credit.
  • Works just like a regular credit card. A SunTrust Secured Credit Card with Cash Rewards gives you the ability to do things like rent a car with ease and make purchases with a sense of security. It also provides additional benefits such as Purchase Assurance and Extended Warranty. And you'll earn cash back.
  • Helps control your spending. Once you're approved, you will establish your SunTrust Secured Credit Card with Cash Rewards credit limit by opening a SunTrust Secured Savings Account with a one-time deposit. The minimum deposit amount is $300 and the maximum can be up to the total of your approved credit limit.

Earn unlimited cash back while you work to build your credit history.

Earn unlimited cash back for the money you spend every day, and you’re automatically enrolled in the program when we approve you for a SunTrust Secured Credit Card with Cash Rewards and you open a SunTrust Secured Savings Account.

  • Earn 2% Cash Back on the first $6,000 spent annually on gas and grocery store qualifying purchases.1 Once you reach the $6,000 annual cap, you’ll earn 1% on all qualifying purchases for gas and groceries without a spending cap. The cap resets each new calendar year.1
  • In addition, earn an Unlimited 1% on all other qualifying purchases such as dining out, movie tickets and dry-cleaning. Or, maximize your cash back with recurring payments such as cable, internet, phone and more.1
  • Each time you call to redeem your Cash Rewards directly into a SunTrust Checking, Savings, or Money Market account, you will earn a cash back bonus of 10% or more2 based on your deposit relationship with SunTrust (Excludes Secured Savings Account)1.

Be sure you sign up for SunTrust Online banking for quick access to your account information and cash back balances.

Complete an application by calling 800.SUNTRUST or visiting a branch.

Your Secured Credit Card with Cash Rewards qualification will be based on things like your credit history and other factors. Your initial deposit acts as your credit limit. Once you're approved, you'll be given a maximum credit limit. You can deposit any amount between $300 and your approved credit limit. For example, if you're approved for a credit limit of $1,000, but only want to deposit $500, your credit limit will be $500.

After your application is approved:

  • Open your savings account. After you're approved, your next step is to open and fund your Secured Card Savings Account.
  • Check your mailbox. Once your savings account is funded, you'll receive your card in the mail.
  • Activate your card. You'll be able to start using it immediately.

Your SunTrust Secured Credit Card with Cash Rewards provides many additional benefits beyond earning cash rewards.

Shopping

  • Extended warranty Doubles the original manufacturer or store brand warranty for up to one year
  • Price Protection Reimburses the price difference if you find a lower price for a new item within 120 days from the purchase date
  • Purchase assurance Provides coverage for damaged or stolen items within 90 days of the purchase date

Travel

  • Chip Technology – Provides greater international acceptance when traveling to other countries where many merchants have already converted their card reading equipment to accept cards with microchips
  • MasterAssist Travel Assistance Travel/trip planning and doctor, lawyer, embassy, etc., referrals when traveling 100 or more miles from home
  • Luxury Hotels and Resorts Portfolio Hotel extras, such as upgrades, early check-in/late check-out, breakfast and much more
  • Travel Accident Insurance Covers you and your family against accidental death or serious injury up to $250,000
  • Baggage Delay Reimburses you for replacing essential personal or business items in delayed baggage
  • Trip Cancellation Protects you and your family against forfeited, non-refundable and unused payments and deposits if your trip is interrupted or cancelled
  • MasterRental/CDW Pays for covered damages to a rental vehicle

Your Secured Credit Card with Cash Rewards also provides additional protection and assistance when you need it.

Personal Assistance

  • Concierge – Assistance with dinner reservations, event tickets, locating hard-to-find items, buying and delivering gifts and coordinating business-related arrangements
  • MasterCard Global Services – Customer assistance for reporting a lost or stolen card, emergency card replacement, emergency cash advance and ATM locating

Personal Protection & Other Benefits

  • Zero Liability – You are not liable for unauthorized purchases on card
  • Year-End Account Summary – Year-end account summary at your request
Disclaimers

All credit cards are subject to credit approval based upon your credit history and other factors. Additional terms and conditions apply, which SunTrust will provide to you when you become an enrolled program member. See the MasterCard Benefits Guide you will receive with your new card when you become a cardholder.

The MasterCard Card is issued by SunTrust Bank, pursuant to a license from MasterCard International.

2Cash Rewards Redemption: After the close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, SunTrust will redeem your Cash Rewards in U.S. dollars with a minimum of $25 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Back for (1) a statement credit or (2) an ACH credit to the deposit account that you designate. Cash Rewards earned on Consumer Card Accounts that are redeemed through an ACH deposit into a SunTrust checking, savings, or money market account will receive a cash back bonus of 10%, 25%, or 50% on redemption, depending on your deposit relationship with SunTrust, as of the last day of the month preceding redemption, or if you redeem in the first few days of the month, the last day of two months' prior to redemption (see Program Agreement for details), as follows:

• Clients with SunTrust Signature Advantage accounts and $100,000 or more in Combined Consumer Deposits and Investment Balances with SunTrust3 or clients in the SunTrust Premier Program, will receive a cash back bonus of 50%. On $100 in base Cash Rewards, these clients would earn an additional $50, totaling $150 in Cash Rewards earnings.

• Clients with SunTrust Signature Advantage accounts and less than $100,000 in Combined Consumer Deposits and Investment Balances with SunTrust3 will receive a cash back bonus of 25%. On $100 in base Cash Rewards, these clients would earn an additional $25, totaling $125 in Cash Rewards earnings.

• All other clients who redeem their Cash Rewards into a SunTrust checking, savings, or money market account will receive a cash back bonus of 10%. On $100 in base Cash Rewards, these clients would earn an additional $10, totaling $110 in Cash Rewards earnings.

3Combined consumer deposits and investment balances: The sum of balances in the Signature Advantage Banking account PLUS statement linked SunTrust deposit accounts (savings, checking, money market, or CDs), Trust accounts, IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (excludes annuities).

© 2015 MasterCard. MasterCard and the MasterCard brand marks are trademarks of MasterCard International Incorporated

Contact Us

To speak with a SunTrust representative:
  • 800.SUNTRUST
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Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

© 2015 SunTrust Banks, Inc.

Equal Housing SunTrust Bank is an Equal Housing Lender. Member FDIC.

Equal Housing Equal Housing Lender. SunTrust Mortgage, Inc.

SunTrust, SunTrust Mortgage, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products, including investment advisory products and services, are provided by SunTrust Bank, member FDIC; securities, insurance (including annuities), and other investment products and services are provided by SunTrust Investment Services, Inc.; investment advisory products and services are offered by SunTrust Investment Services, Inc.; mortgage products and services are provided by SunTrust Mortgage, Inc.

SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free 1-800-634-7928 CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, IL 60601, (312) 793-1490, MA: Mortgage Lender license #-ML-2915, NH: licensed by the New Hampshire Banking Department, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, and RI: Rhode Island Licensed Lender.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products, and other investment services.

SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Banks, Inc. and SunTrust Investment Services, Inc.

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.