SunTrust Specialty Business Credit Card

The card that provides tools to help manage the unique needs of your organization!

SunTrust Specialty Business Credit Cards will help to support the unique needs of specialty groups such as not-for-profit organizations, trust managers, government agencies and local municipalities with annual gross revenues up to $5 million.

This card will serve as a financial management tool that will help improve cash flow, pay for everyday business expenses and allow you to make larger business purchases for your organization.

Your account comes with the following:

  • 0% Introductory APR (Annual Percentage Rate) for 12 months on Purchases. After that your variable APR will be 13.24%.1
  • Expense management tools with integration to accounting software packages and the ability to pay online2
  • Employee cards at no additional cost
  • Optional rewards programs at no additional cost3,4
  • Chip technology that provides greater international acceptance when traveling to other countries and extra levels of security against card fraud.

  • Manage all organizational business expenses with online tools that will help control, monitor and track card spending trends.
  • Integrate expense data and reports with accounting software packages.
  • Pay business credit card bills online.

  • Zero Liability, provides protection from unauthorized purchases if your card is lost or stolen5
  • Extended Warranty doubles most store and manufacturer warranties for up to one additional year6
  • Purchase Assurance provides 90 days of theft and damage protection for most purchases6
  • MasterAssist® provides emergency travel, cash, legal and medical assistance while traveling6
  • Overdraft Protection helps to avoid overdrafts when your card is linked to a SunTrust Business Checking Account7
  • 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

MasterCard Easy Savings® Program – Get automatic rebates for everyday business purchases.8

SunTrust Business Credit Cards provide automatic savings in the form of rebates for all kinds of everyday business purchases including fuel, automobile maintenance, office equipment, shipping, hotels and rental cars.

There are no coupons, promo codes or registration fees. Just use your card for eligible purchases at thousands of participating merchant locations and you’ll get an automatic rebate, which will appear on your monthly statements. Additionally, you will also have the option to gain even more savings and automatic rebates by enrolling in the “Gold” level of the MasterCard Easy Savings® Program. Just visit for more information.8


1All credit cards are subject to credit approval. The SunTrust Business Credit Card is issued by SunTrust pursuant to a license from MasterCard. Once you become a Business Cardmember, we reserve the right to change your account terms should your credit profile change or for other reasons described in your Business Cardmember Agreement.

2Expense management and reporting tools are supported by Enterprise Spend Platform for Small Business. All tools subject to additional terms and conditions.

3Earn Cash Back Rewards of 1% on new Qualifying Purchases. Qualifying Purchases means any new qualifying net retail purchase transactions (qualifying purchases less credits, returns and adjustments) charged to any SunTrust Business Credit Card (Card) each billing cycle. Each Qualifying Purchase will earn 3% Cash Back, of which 1% is the base rate and 2% is a bonus, on the first $500 spent during each billing cycle in the aggregate at participating gas stations and office supply retailers [Merchant Category classification (MCC) codes 5021, 5111, 5172, 5541, 5542, and 5543] and 1% in those categories thereafter. A Qualifying Purchase is determined to qualify for the additional bonus reward rate if the merchant assigns the appropriate MCC code to the transaction information received by SunTrust. SunTrust is not responsible for inaccurate reporting by participating merchants. Wholesale clubs and discount stores (MCC codes 5300, 5310) will earn 0.25%. All other MCC codes not specified will earn 1%. Balance transfers, cash advances, purchases of cash equivalents, fees, finance charges, fraudulent charges, unauthorized charges, and certain other charges are not Qualifying Purchases and do not qualify for Cash Back Rewards. There is no limit to the amount of Cash Back Rewards that may be earned or redeemed. Cash Back Rewards credits expire after 5 years. Cash Back Rewards credits are redeemable on demand in U.S. dollar increments of $25 with a minimum of $25 and a maximum of the lesser of either the total Cash Back Rewards credits available or the current account balance. Cash Back Rewards credits will be issued in the form of a statement credit that may be applied against the balance of the Card, but which may not be used to create a negative balance on the account. Cardholder to call 800.752.2515 to apply credit redemptions. Other significant terms apply. Program subject to change.

4Qualifying purchases do not include balance transfers, convenience checks, payments made for stored value cards (such as gift cards and similar cards), wire transfers, money transfers, quasi cash, travelers checks and similar products that may be converted to cash, cash advances (including withdrawals from ATMs and originations from the credit card itself), payment of existing credit card account balances, fees charged on your account (for example, annual fees, finance charges, and other fees and charges including, fees for products that protect or insure a credit card account balance), and purchases made when your account is not in good standing.

5Certain restrictions, limitations and exclusions apply. Zero Liability protection does not apply to ATM transactions or certain commercial card transactions. You must notify us promptly of any unauthorized use.

6Certain terms, conditions, and exclusions apply. Refer to your MasterCard Guide to Benefits for complete coverage terms and conditions or call 1-800-MC-ASSIST (1-800-622-7747) for assistance.

7Overdraft Protection is an option available for Select Business Checking, Total Business Banking, Primary Business Checking and Business Interest Checking accounts when linked to a business credit card. Cash Advance and Transfer fees may apply.

8 MasterCard Easy Savings® Program Cardholder Terms & Conditions: Cardholder must be enrolled in the MasterCard Easy Savings® Program at the time of purchase. Payment must be made in full at a participating Merchant location with an eligible MasterCard, small business credit card or signature debit card issued by a U.S. bank. Purchases do not qualify for the program if the purchase transaction is a PIN-based transaction, originated outside of the U.S. or not processed through MasterCard’s U.S. transaction processing system. The rebate will appear on your statement after the purchase has posted to your card account, not on the receipt, and may not be reflected until the next statement. Other terms and conditions apply. For more information, visit

MasterCard and the MasterCard brand mark are trademarks of MasterCard International Incorporated.

SunTrust Bank, Member FDIC. ©2015 SunTrust Banks, Inc. SunTrust Rewards, SunPoints and Enterprise Spend Platform are federally registered service marks of SunTrust Banks, Inc.

Contact Us

To reach a SunTrust representative:

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.