SunTrust Secured Card

Build or Rebuild Credit with a Secured Card

Secured CardGet the card that gives you more, while building, or rebuilding, your credit.

The SunTrust Secured Credit Card offers the conveniences and benefits of a credit card, like earning rewards on purchases, while you work to build or to repair your credit history and credit score. And you’ll get all the outstanding service and personal attention you’d expect from a bank like SunTrust.

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

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

  • Works just like a regular credit card. A Secured Credit Card 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 if you want, you can even earn rewards.
  • 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.
  • Helps control your spending. Once you’re approved, you will establish your Secured Credit Card 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.

Choose the type of credit card you prefer. Earn valuable points1, cash rewards2 or a non-rewards credit card with a lower interest rate and a reduced annual fee.3

Choice #1: Points

You’ll earn unlimited points on every qualifying purchase, plus double points on your choice of gas, grocery and drug store or travel, dining and entertainment qualifying purchases. Redeem them for travel, merchandise, electronics, gift cards and more.1

Choice #2: Cash Rewards

You’ll automatically earn unlimited 1% cash back on all qualifying purchases, all the time, and unlimited 2% cash back on gas, grocery, and drug store qualifying purchases for 6 months after account opening. Plus, enjoy no expiration on the cash back balance you’ve accumulated.2

Choice #3: Interest Advantage

Manage your money and reduce expenses when you take advantage of a lower Annual Fee, a Lower Annual Percentage Rate (APR) and flexible payment options.3

First, complete an application by calling 800.SUNTRUST or visiting a branch.

We’ll review the information you provide us and if you’re approved, your credit limit will be a minimum of $300 and up to your approved credit line. Your credit limit is established by a one-time deposit into your SunTrust Secured Savings Account.

Your Secured Credit Card provides many additional benefits beyond earing valuable points or 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

  • 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 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.

© 2013 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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Securities, Investment and Insurance Products and Services:

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

© 2014 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 at Work, SunTrust Mobile Banking, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Solid Theft Protection, Ridgeworth Funds, RidgeWorth Capital Management, Wealth Select, AMC Fund Select, AMC Pinnacle, AMC Premier, Access 3, Bank Your Way Snapshot, Signature Advantage Brokerage, Custom Choice and Sure Pay 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., an SEC registered broker/dealer and a member of the FINRA and SIPC, and a licensed insurance agency; investment advisory products and services are offered by SunTrust Investment Services, Inc. and Ridgeworth Capital Management, Inc.; mortgage products and services are provided by SunTrust Mortgage, Inc.

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"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.

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