Travel Rewards Credit Card

DISCLAIMERS

Subject to credit approval, eligibility and credit qualifications.

² Qualifying Purchase(s): Each time “qualifying purchase(s)” is used in this letter, it means new retail purchases on Your Card Account in Good Standing each billing cycle, minus credits/returns/adjustments. The following items are not retail purchases and therefore do not qualify: (1) Payment of existing Card Account balances, (2) Balance Transfers, (3) Cash Advances (via ATM or card originations by any other means), (4) Quasi Cash or Cash-Equivalent Items (e.g., traveler’s checks, gambling chips and any other items that serve as cash or are convertible to cash), (5) Fees/Interest that SunTrust bills, (6) Fraudulent/Unauthorized Transactions, (7) Convenience Checks, (8) Stored Value Cards (e.g., gift cards, prepaid cards, etc.), (9) Wire Transfers, (10) Money Transfers and (11) Overdraft Advances.

³ $250 Statement Credit: You will earn a $250 statement credit after spending $3,000 on net Qualifying Purchases within the first three months after account opening. After qualifying, please allow 1-2 billing cycles for the credit to appear on your statement.

⁴ 3% Cash Rewards Benefit (Travel Rewards): You will earn an unlimited additional 2% in Cash Rewards (3% Cash Rewards total) at Participating Merchants (travel) on Qualifying Purchases made with the Card.

⁵ 2% Cash Back Benefit (Dining Rewards):  You will earn an unlimited additional 1% in Cash Rewards (2% Cash Rewards total) at Participating Merchants (dining) on Qualifying Purchases made with the Card.

⁶ Global Entry/TSA Precheck: SunTrust Travel Rewards cardholders are eligible to receive one (1) statement credit per account, every five (5) years up to $100, for either the Global Entry or the TSA Precheck application fee. Cardholder must charge the application fee of at least $85 to their SunTrust Travel Rewards Card to be eligible for the statement credit. Cardholders will receive a statement credit for the first program (either Global Entry or TSA Precheck) to which they apply and pay for with their eligible card, regardless of whether they are approved for Global Entry or TSA Precheck.

The one (1) statement credit every five (5) years for the application fee charged to the SunTrust Travel Rewards card account, is applied by SunTrust directly to the card account. Please allow 1-2 billing cycles after the qualifying Global Entry or TSA Precheck is charged to the eligible account for the statement credit to be posted to the account.

⁷ Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your Card Account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a deposit account. You can earn a Loyalty Cash Bonus of 10%, 25%, or 50% if you redeem through an ACH deposit into a SunTrust deposit account. See Program Agreement for details and tier levels as follows:

• Clients who redeem Cash Rewards through an ACH deposit into any SunTrust checking, savings or money market account will receive a 10% Loyalty Cash Bonus.
• Clients with a SunTrust Advantage Checking, Signature Advantage Checking, or Exclusive Checking account and meeting one of the following Combined Consumer Deposits and Investment Balances will earn a Loyalty Cash Bonus of:
  • 25% Loyalty Cash Bonus if balances total between $25,000 and $100,000,
  • 50% Loyalty Cash Bonus if balances total greater than $100,000.
• SunTrust Premier Program or Private Wealth Management clients will receive a 50% Loyalty Cash Bonus. See suntrust.com/premier for details on advisory service levels.

For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.

⁸ SunTrust Deals: SunTrust Deals is a separate reward option for debit and credit card clients and is not connected to the existing SunTrust Credit Card Rewards Program or the Delta SkyMiles Debit Card Program. Cash Back earned through SunTrust Deals is not eligible for credit card Loyalty Cash Bonuses. Clients must be enrolled in Online Banking or Mobile Banking to participate in SunTrust Deals and have either an eligible SunTrust debit or credit card. Earned cash back will be automatically credited to the client’s preferred checking account or as a statement credit to their SunTrust credit card. For more information, please read the program Terms and Conditions.

⁹ Credit Card Lock/Unlock: Cards of Authorized Users will continue to be active and use will not be interrupted, even when Primary or Secondary cards are locked. Payments are still required, and credits and adjustments will continue when your card is locked. Setting a lock will not prevent an expiring card from being reissued. Automatic or recurring transactions will continue to post (like a utility bill or gym membership, for example).  Balance Transfers and Convenience Check transactions may continue while the card is locked. Not applicable to Business Credit Cards.

¹⁰ Lyft: Certain terms, conditions and exclusions apply. Enrollees in the Lyft and Mastercard World Elite benefit will receive a $10 Lyft credit (“Credit”) for taking five (5) Lyft rides in a calendar month when paid for with a Mastercard World Elite credit card. Limit one Credit per month per Lyft account. Credit may take up to 2 days to be applied. Credit expires 30 days after application. See www.lyft.com/mastercard-world-elite for full terms and to enroll in the program. Lyft’s Terms of Service apply. Lyft CUPC ID No. TCP0032513 – P.

¹¹ Fandango: Certain terms, conditions, and exclusions apply. See your guide to benefits or visit www.fandango.com/vip+mastercard for more information.

¹² Boxed: Beginning at 12:00AM ET on 4/15/19, customers using an eligible World Elite Mastercard could earn 5% in Cash Rewards on the total amount of every purchase made at Boxed, excluding taxes and governmental fees, shipping and handling charges, discounts on account of any applicable Promotions and/or Promo Codes, the application of any accrued Cash Rewards and alcoholic products. Shipping within the contiguous U.S. only. Standard terms and conditions apply (www.boxed.com/terms-conditions/). For more details visit: www.boxed.com/worldelite

¹³ Extended Warranty: Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only.

¹⁴ Price Protection: Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by AIG WarrantyGuard, Inc., an AIG company. Policy provides secondary coverage only.

¹⁵ Purchase Assurance: Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only.

¹⁶ Postmates: Visit www.postmates.com/mastercard-world to learn more about the Postmates benefit. For full terms please visit www.postmates.com/legal/terms

¹⁷ Mastercard ID Theft Protection: For cardholders who enrolled prior to July 1, 2019, this service shall be provided by CSID until December 31, 2019. Cardholders will have to re-enroll with Generali Global Assistance, Inc. at the link provided in the enrolled cardholder notices. Cardholders will need to register for this service. Cardholders who enroll on or after July 1, 2019, this service shall be provided by Generali Global Assistance Inc.

¹⁸ Cellphone Insurance: Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only.

¹⁹ Zero Liability: Zero Liability protects you from unauthorized purchases if your card is lost or stolen. The protection includes PIN-based transactions at the point-of sale and ATM, and online or mobile transactions.

²⁰ Worldwide Automatic Travel Accident, Baggage Delay & Trip Cancellation/Interruption Insurance: Insurance is underwritten by Federal Insurance Company. Certain terms, conditions, or exclusions may be different where required by state law. Please refer to your Guide to Benefits for complete details.

²¹ MasterRental: Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only.

²² Mastercard Travel & Lifestyle Services: Certain terms, conditions, and exclusions apply. Visit www.travel.mastercard.com for full details. Mastercard Travel & Lifestyle Services are provided by Ten Lifestyle Management Ltd. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services.

TSA Precheck and Global Entry are registered trademarks of the United States Department of Homeland Security.

The Mastercard^® Card is issued by SunTrust Bank, pursuant to a license from Mastercard International.

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