SunTrust World for Business Credit Card

SunTrust World for Business Credit Card

The premium card that provides a perfect combination of exceptional benefits plus rewards!

The SunTrust World for Business Credit Card provides a variety of rewards programs, exclusive offers, robust spending power, concierge services and intelligent business tools that will support your financial management and payment needs.

With no pre-set spending limit1 and enhanced expense management tools, the World for Business credit card will help to improve cash flow and control expenses while delivering exceptional benefits that will help you and your business thrive.

Your account comes with the following:

  • No Pre-Set Spending Limit1
  • 0% Introductory APR (Annual Percentage Rate) on purchases for 12 months. After that your variable APR will be 8.24% to 10.24%.1
  • Expense management tools with integration to accounting software packages and the ability to pay online2
  • Employee cards at no additional cost
  • Identity theft resolution
  • Two options for rewards at no additional cost
Reward Options
Benefits
Cash Back Rewards3

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

Redeem as statement credits in $25 increments

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.2

  • Zero Liability, you’re protected from unauthorized purchases if your card is lost or stolen.5
  • Extended Warranty doubles most manufacturer warranties for up to one additional year.6
  • Purchase Assurance provides 90 days of theft and damage protection for most purchases.6
  • Travel Accident Insurance (AD&D), up to $250,000 when purchasing business travel with your card.
  • MasterAssist® provides emergency travel, cash, legal and medical assistance while traveling.6
  • Master RoadAssist® provides coverage for physical damage to a rental car on secondary basis for which cardholder is responsible to Rental Agency.6
  • ID Theft Resolution provides access to services including credit bureau notification, an ID Theft affidavit, card replacement and a ID Theft Resolution kit.6
  • Overdraft Protection helps to avoid fees when your card is linked to a SunTrust Business Checking Account7

Concierge services provide an array of exceptional services and benefits including VIP access to Sports & Entertainment events, exciting culinary experiences and reservations at fine restaurants, travel packages, special offers and much more.6 Simply call 877.884.3516 for details and to get started.

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. Your Account has no pre-set spending limit. No pre-set spending limit does not mean unlimited spending. Your Account will be assigned a Revolving Credit Limit. We may restrict the amount of your Revolving Credit Limit that is available for Balance Transfers. For Cash Advances, you may only spend up to your assigned Cash Advance Revolving Credit Limit. For Purchases, you may be authorized to exceed your assigned Revolving Credit Limit. Each transaction you make is authorized based on factors such as (1) your Account history; (2) credit record; (3) absence or presence of suspected fraud; and (4) performance and delinquency patterns. If you attempt to make a Purchase transaction that exceeds your Revolving Credit Limit, your Account will be evaluated based upon the length of time your Account has been open and Account usage, performance and delinquency patterns with us or with your other creditors, and your ability to repay. In certain circumstances, we may ask for additional financial records to authorize a transaction. If you are authorized to exceed your Revolving Credit Limit, you will be required to pay, as part of your Minimum Payment, the amount by which your New Balance exceeds your Revolving Credit Limit. We encourage you to provide us with notice of forthcoming unusual activity, such as, high transaction amounts, high velocity, or changes in geographic patterns. If your Account is a joint Account, each of you may request Revolving Credit Limit increases. We may raise or lower your Revolving Credit Limit at our discretion. References in this statement to your "Credit Line" or "Credit Limit" mean your "Revolving Credit Limit".

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 easysavings.com.

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

SunTrust Bank, Member FDIC. ©2013 SunTrust Banks, Inc. SunTrust Rewards, SunPoints and Enterprise Spend Platform are federally registered service marks of SunTrust Banks, Inc.

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