SunTrust Business Credit Card

The card that provides tools to help your business PLUS rewards!

Take advantage of SunTrust Business Credit Cards for your financial management and payment needs while earning rewards on purchases.

The SunTrust Business Credit Card helps to improve cash flow, pay for everyday business expenses and allows you to make larger purchases for your business – without having to use personal cards.

Your account comes with the following:

  • 0% Introductory APR (Annual Percentage Rate) for 12 months on Purchases. After that your variable APR will be 10.24% to 16.24%.1
  • Expense management tools with integration to accounting software packages and the ability to pay online2
  • Employee cards at no additional cost
  • Two options for rewards at no additional cost
  • Chip technology that provides greater international acceptance when traveling to other countries and extra levels of security against card fraud
Reward Options
Benefits
Cash Back Rewards3

Earn 3% on the first $500 spent on qualifying office supplies and fuel purchases and up to 1% on everything else you buy.

Get a 10% deposit bonus when you call to electronically redeem your cash rewards into a SunTrust Business Checking, Savings or Money Market account

Redeem cash rewards electronically into a deposit account, via statement credit, or paper check once your rewards balance reaches $25 or more. Call 1.855.574.2423 to redeem.

There’s no minimum spend or maximum payout restrictions

View rewards earned on your statements

SunTrust Rewards4

Select the SunTrust Rewards option to earn SunPoints, which can be redeemed for rewards like gift cards, electronics, merchandise, travel and more

You’ll earn 1 SunPoint per $1 spent on qualifying purchases with your business credit card.

Visit suntrust.com/rewards for details.

  • Separate business expenses – Keep your business expenses separate from personal expenses to make it easier to track spending – and prepare your taxes.
  • Manage your and employee 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, you’re protected from unauthorized purchases if your card is lost or stolen5
  • Extended Warranty doubles most 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 www.easysavings.com for more information.8

Disclosure

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 Tools for small business are subject to additional terms and conditions.

3You can earn Cash Back credit of up to 1% on Qualifying Purchases on your SunTrust Business Credit Card Account, if your Card Account is in Good Standing. There is no restriction on the amount of Cash Back credit that you may earn, subject to the program’s complete terms and conditions. Additionally, each Qualifying Purchase will earn a 3% Cash Back credit, 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 Participating 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%. Cash Rewards credits will expire after 5 years. Cash Rewards credits are redeemable on demand 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, (2) a check, or (3) an ACH credit to the business deposit account that you designate. If you redeem your Cash Back for ACH credit to a SunTrust Business Checking, Savings, or Money Market account, SunTrust will add a 10% additional amount to your Cash Back via a separate ACH credit to your Checking, Savings, or Money Market account (e.g., if you redeem $50 in Cash Back via one ACH credit to your SunTrust Business Checking, Savings or Money Market account, you will receive a second ACH credit for$5, for a combined total of $55 Cash Back). Additional terms and conditions apply, which SunTrust will provide to you when you become an enrolled program member (in Cash Rewards).

4Qualifying Purchases are any new purchases on a Card Account in Good Standing each billing cycle, minus credits/returns/adjustments, not including payment of existing account balances or charges for: (1) Balance Transfers, (2) Cash Advances (via ATM/card originations), (3) Cash-Equivalent Items (e.g., travelers cheques, gambling chips, etc.), (4) Fees/Interest, (5) Fraudulent/Unauthorized Transactions, (6) Convenience Checks, (7) Stored Value Cards (e.g., gift cards), (8) Wire Transfers or (9) Money Transfers.

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-MasterCard (1-800-627-8372), 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 easysavings.com.

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.

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Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

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