3See suntrust.com/rewards for program terms.
4 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.
5Cash 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 SunTrust5 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 SunTrust5 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.
6Combined 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.
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