Cash Back Credit Card

SunTrust Platinum Cash Rewards Credit Card

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Earn 2% Cash Back on the first $6,000 spent annually on gas and grocery store qualifying purchases and UNLIMITED 1% Cash Back on all other qualifying purchases with the SunTrust Cash Rewards credit card. Your cash back balance does not expire, and no program enrollment is necessary. 1

Get a 10% deposit bonus every time you call to electronically redeem your cash back 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 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, drycleaning, or maximize your cash back with recurring payments such as cable, internet, phone, and more.1

Each time you call to electronically redeem your Cash Rewards into a SunTrust checking, savings or money market account, you will earn a 10% deposit bonus. For example, redeem $50 and earn an additional $5.

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.

Beginning 7/15/2013, new cardholders can earn a 10% bonus on cash back redeemed when they electronically deposit cash back into a SunTrust checking, savings, or money market account. Call SunTrust at 800.477.9702 to complete the electronic deposit.


  • 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


  • 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

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.

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

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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 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 Solid Theft Protection and 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.