Credit Card Cash Back

Cash Back Credit Card

SunTrust Platinum Cash Rewards Credit Card

Want to earn cash back?

apply now

Earn 5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases for the first 12 months after account opening (2% cash back on up to $6,000 spent annually, thereafter)2. And, you'll always earn 1% UNLIMITED cash back on all other qualifying purchases.1

Get a cash back bonus of 10%, 25% or more3
Based on your deposit relationship with SunTrust, when you call to redeem your cash back directly into a SunTrust Checking, Savings, or Money Market account.

Already have a SunTrust Credit Card? Learn how to maximize your card benefits.

Simplify how you earn cash back. Maximize how you earn it.

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 Cash Rewards credit card.

  • Earn 5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases, for the first 12 months after account opening (2% cash back on up to $6,000 spent annually, thereafter).2

    Each time you reach your $6,000 spend cap, you'll earn unlimited 1% on gas and grocery qualifying purchases until the cap resets.
  • In addition, earn an Unlimited 1% on all other qualifying purchases such as dining out, movie tickets, drycleaning, 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%, 25% or more3 based on your deposit relationship with SunTrust.


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

Redeem three ways - Statement Credit, Check or Electronic Deposit

  • View your Cash Rewards balance using SunTrust Online Banking or on your credit card statement.
  • Redeem cash rewards with a minimum balance of $25.
  • Redeem your Cash Rewards for statement credits or a check through Online Banking or by calling SunTrust at 800.477.9702.
  • Make an electronic deposit to a deposit account at SunTrust or another financial institution by calling SunTrust at 800.477.9702.
  • Get a cash back bonus of 10%, 25% or more3 based on your deposit relationship with SunTrust when you call to redeem your Cash Rewards directly into a SunTrust Checking, Savings, or Money Market account.

Shopping

  • Extended warranty - Doubles the original manufacturer or store brand warranty for up to one year
  • Price Protection - Reimburses 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

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

2 5% Cash Back Benefit: You will receive a 3% additional Cash Back bonus (5% Cash Back total) on gas and grocery Qualifying Purchases made with the Card (a) up to the $6,000 combined total of Qualifying Purchases made at participating gas stations and grocery stores or (b) through the first 12 months after account opening, whichever comes first. After you have fully utilized the additional 3% bonus either by (a) spending up to the $6,000 combined total of gas and grocery Qualifying Purchases made at participating gas stations and grocery stores or (b) reaching the end of the first 12 months after account opening, whichever comes first, you can then earn the 2% Cash Benefit if, in the current Calendar Year, you have not already reached $6,000 in combined spend on gas and grocery Qualifying Purchases. After the annual $6,000 spend limit is reached, you will earn 1% on gas and grocery Qualifying Purchases for the remainder of the Calendar Year.

The maximum amount of gas and grocery Qualifying Purchases eligible for bonus cash back (greater than 1%) is $6,000 per Calendar Year.

Participating merchants are determined by the associated merchant category code (“MCC”) used by each merchant. Purchases made at merchants that do not process transactions under an eligible MCC will not qualify for the additional 1% or 3% bonus reward rate.

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.

3Cash 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 redemtion, 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 SunTrust4 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 SunTrust4 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.

4Combined 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).

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

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

Contact Us

To reach a SunTrust representative:

Search

Please enter address to search

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 Mobile Banking, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Fund Select, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and Sure Pay are federally registered service marks of SunTrust Banks, Inc. SunTrust SummitView are 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, Illinois 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.