Credit Card Features and Rewards

The SunTrust Credit Card Rewards Program

Easy to earn. Easy to redeem.
Hundreds of rewards options.

With your SunTrust Credit Card, you'll earn unlimited rewards that don't expire. Choose to redeem for perks such as cash back1, gift cards, merchandise, travel and more via online or mobile banking.

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10%, 25% or more SunTrust Cash Deposit Bonus — Client Exclusive

Get a Cash Deposit Bonus of 10%, 25%, or more2 based on your deposit relationship with SunTrust, when you redeem your cash back directly into a SunTrust Checking, Savings or Money Market account. For example, if redeeming $100 of cash back rewards into your SunTrust account with a 25% Cash Deposit Bonus, the total redemption value is $125. Open a SunTrust Checking Account today

Credit Card Lock/Unlock4

Lock your credit card instantly if you misplace it or want to put a hold on spending. Then simply unlock it. While locked, we will prevent any new or unauthorized card transactions. Available for primary and secondary Cardholders only.

Additional Cards

You can add up to nine authorized users to your account. Each one will get a card with a unique number for better purchase tracking. Qualifying purchases on any of the cards will be added to your account.

EMV Chip Technology

For greater international payment acceptance, and extra levels of security against card fraud, all of our cards are equipped with EMV chip technology. Designed to help further protect your identity and ensure that you are the authorized user of the card, this technology, when used at a chip card reader, has proven to make it more difficult to duplicate the card or make purchases without authorization. Learn More

SunTrust Deals

You can participate in SunTrust Deals, a program that lets you earn cash back when you use your SunTrust credit card to make purchases at your favorite retailers3. SunTrust Deals is separate from the SunTrust Rewards program. Learn More

Your FICO® Score Update Monthly

Free access to your FICO® Score is available in Online Banking. It gets updated each month along with the top two most recent key factors affecting your score. Credit education will also be available to help keep you on track. Available for primary cardholders only. Learn More

Optional Overdraft Protection

Opt in, and we’ll link your checking account to your SunTrust credit card account so you’ll be covered in case your available balance ever comes up short.

Learn more about Overdraft Protection or find out how to add Overdraft Protection now.

Choose A Card Design

Choose from two card designs to make your card feel more like yours. Enjoy the same great card features and functionality no matter which design you choose. (Not applicable to Secured Credit Card).

Mobile Banking7

Use digital banking to access your accounts on the go. Learn More

Mobile Alerts

Receive transaction alerts and security notifications by text. Learn More

Branch and ATM Banking

Convenient access to more than 1,300 branches and 2,000 ATMs. Find Us

Checking Account Options

No matter which credit card you choose, the benefits get better when you pair it with a SunTrust Checking account—think Cash Deposit Bonuses2. There are a variety of checking accounts to choose from. Each one is designed to fit with where you are in your financial journey and help you get to the next level of financial confidence. Learn More About Checking Accounts

Mobile Wallets and Payment Solutions8

Add your card to Apple Pay®, SunTrust Masterpass™ or Samsung Pay to simplify your checkout when shopping online, in-app or in-store. Learn More

Online Banking with Bill Pay9

Manage your credit card account, see transaction details, find online statements and pay bills with Online Banking. Learn More

24-Hour Customer Service

Questions can pop up beyond banking hours. That’s why we offer around-the-clock US-based SunTrust Consumer Credit Card customer service to address all of your needs.

Call 800.477.9702 to talk with us anytime. If you have a SunTrust World Mastercard® or SunTrust Visa Signature® credit card, call 866.892.4683. See FAQs

Protection

  • Zero Liability ensures you're not liable for unauthorized card purchases6.
  • Extended warranty doubles eligible manufacturer or store brand warranty — up to two years (one year for platinum cards).
  • Price Protection reimburses price difference if you find a lower price within 120 days of purchase.
  • Purchase assurance covers eligible damaged or stolen items within 90 days of purchase.
  • ID Theft Protection helps detect and resolve Identity Theft. Learn more

Convenience

  • Concierge services assist with reservations, event tickets, locating hard-to-find items, gift giving and business arrangements.
  • Mastercard Global Services help you in an emergency—lost/stolen card, card replacement, cash advances, finding ATMs.

Travel

  • MasterAssist Travel Assistance offers trip-planning advice and referrals when traveling 100+ miles from home.
  • Travel Accident Insurance covers you against accidental death or serious injury up to $250,000.
  • Baggage Delay reimburses you for replacing essential items in delayed baggage.
  • *Trip Cancellation protects you against losses if your trip is interrupted or cancelled. Refer to Guide to Benefits.
  • MasterRental/CDW pays for covered damages to a rental vehicle.
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DISCLAIMERS

Subject to credit approval, eligibility and credit qualifications.

1 Cash back or statement credit redemption transactions will be initiated within 5 business days, and you'll typically see the credit in Online Banking soon after. Most merchandise redemptions will be shipped within 48 hours from receipt of the order, but please allow 4 to 6 weeks for delivery.

2 Cash Rewards Redemption: After close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, you may redeem your Cash Rewards in U.S. dollars for cash back with a minimum of $5 and any greater amount (not to exceed the total Cash Rewards earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Rewards for cash back through (1) a statement credit to your Card Account or (2) an ACH credit into the deposit account that you designate. Cash Rewards earned on Card Accounts that are redeemed through an ACH deposit into a SunTrust checking, savings, or money market account (excludes Secured Savings Account) will receive a Cash Deposit Bonus of 10%, 25%, 50%, or 75% on redemption, depending on your deposit relationship with SunTrust, as of the last day of the month preceding redemption, or if you redeem in the first few days of the month, the last day of two months’ prior to redemption (see Program Agreement), as follows:

  • SunTrust Private Wealth Management* clients will receive a Cash Deposit Bonus of 75%; on $100 in base Cash Rewards, these clients would earn an additional $75, totaling $175 in Cash Rewards earnings. Effective April 1, 2018, this bonus level is only applicable if the redemption occurs using their PWM Visa Infinite or Mastercard World Elite Card.
  • Clients with SunTrust Signature Advantage accounts and $100,000 or more in Combined Consumer Deposits and Investment Balances with SunTrust or clients in the Premier Banking Program, will receive a Cash Deposit Bonus of 50%. On $100 in base Cash Rewards, these clients would earn an additional $50, totaling $150 in Cash Rewards earnings.
  • Clients with SunTrust Signature Advantage accounts and less than $100,000 in Combined Consumer Deposits and Investment Balances with SunTrust will receive a Cash Deposit Bonus of 25%. On $100 in base Cash Rewards, these clients would earn an additional $25, totaling $125 in Cash Rewards earnings.
  • All other clients who redeem their Cash Rewards into a SunTrust checking, savings, or money market account will receive a Cash Deposit Bonus of 10%. On $100 in base Cash Rewards, these clients would earn an additional $10, totaling $110 in Cash Rewards earnings.
    • † Combined Consumer Deposits and Investment Balances means the sum of balances in the SunTrust Signature Advantage Banking account PLUS statement-linked SunTrust deposit accounts (savings, checking, money market, or CD’s), Trust accounts, IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (excluding annuities). ‡ Premier Banking means the group within SunTrust Bank that provides specialized services and benefits such as investment products and services (including brokerage accounts) which are offered by SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer, member FINRA, SIPC. Enrollment in Premier Banking is required.
    • ‡ Premier Banking means the group within SunTrust Bank that provides specialized services and benefits such as investment products and services (including brokerage accounts) which are offered by SunTrust Investment Services, Inc., an SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisor services are offered by SunTrust Advisory Services, Inc., a SEC registered investment adviser.
    • Enrollment in Premier Banking is required.

3 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 Cash Deposit 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.

4 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.

5 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.

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

7 SunTrust does not charge a fee for the use of SunTrust Mobile Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply for each device used. A SunTrust Online Banking account is required to enroll in any of the Mobile Banking services.

8 Apple, the Apple logo, iPhone, and iSight are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. © 2018 Samsung Electronics America, Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law.

9 SunTrust does not charge a fee for the use of SunTrust Online Banking with Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-SunTrust accounts.

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

©2018 Mastercard. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Have questions?

800.477.9702 Available 24 hours/day

Credit Cards Resource Center

  • New Accounts

  • Support

      24 Hour Support: 800.477.9702

       

  • Wires

      For more details about Wire Transfers with SunTrust, call 800.947.3786

       

      SunTrust Incoming wire instructions:

       

      • For Domestic incoming wire use Routing ABA: 061000104
      • For International incoming wire use SWIFT/BIC: SNTRUS3A
      • Beneficiary account number: SunTrust full account number
      • Beneficiary name: The name as it appears on the SunTrust account

      SunTrust Incoming wire instructions are also available by calling 800.947.3786 - option 1