Our Rewards Programs

Your Choice—Your Rewards

At SunTrust you can apply for the card and program that will help you optimize your spending-- and rewards program enrollment is free and automatic.

Cash Rewards

When you apply for the Cash Rewards card, you'll 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).4 You'll always earn 1% UNLIMITED cash back on all other qualifying purchases.1

You can also earn a 10% deposit bonus every time you call to electronically redeem your cash back into a SunTrust checking, savings or money market account.

SunTrust Rewards

Earn double points on travel, dining, entertainment qualifying purchases.2

See how quickly your cash rewards can add up in the first 12 months.

Your cash back balance doesn’t expire, and you can use your cash back on the things you need, whatever they may be.

It’s easy to redeem Cash Rewards

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 Card Services at 800.477.9702.
  • Make an electronic deposit to a deposit account at SunTrust or another financial institution by calling SunTrust Card Services at 800.477.9702.

Get a 10% Deposit Bonus: For new SunTrust Credit Card Accounts with cash back, the account will earn a 10% bonus on the amount of cash back redeemed when you redeem your cash back via electronic deposit to a SunTrust checking, savings or money market account. Call SunTrust at 800.477.9702 to complete the electronic deposit.

Earn double points on travel, dining and entertainment qualifying purchases and an unlimited 1 point per $1 spent on other qualifying purchases.2

Points are redeemable for gift cards, prepaid cards, travel, statement credits, merchandise and more.
See how quickly your rewards can add up.

It’s easy to redeem SunTrust Rewards

View your SunTrust Rewards balance using SunTrust Online Banking or by calling the SunTrust Rewards Call Center.

Once your points appear in your SunTrust Rewards account balance, you can redeem them anytime.

Redeem online or over the phone

  • To redeem points online, visit suntrust.com/rewards

  • To redeem over the phone, call the SunTrust Rewards Call Center at 800.255.7125 (8:00 a.m.-12:00 a.m. ET, Monday-Friday and 9:00 a.m.-10:00 p.m. ET, Saturday and Sunday).

Points can be redeemed for gift cards, sporting goods, electronics and video games, home accessories and travel on all major airlines with no blackout dates.3
View our complete rewards catalog.

Disclaimers

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.

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.

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