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5% Cash Back
on up to $6,000 spent on gas & grocery
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qualifying purchases in the first year2.
Cash in on everyday purchases with our Cash Rewards Credit Card.
- 5% Cash Back
on up to $6,000 spent on gas and grocery qualifying purchases4 in the first 12 months2 - 2% Unlimited Cash Back
on qualifying gas and grocery purchases after your introductory bonus cash back - 1% Unlimited Cash Back
on all other qualifying purchases - 0.0% intro APR on purchases and balance transfers for 15 months after account opening. Competitive variable rate, currently 12.24%–22.24% APR, thereafter1. A Balance Transfer fee of $10 or 3% of the amount of the transfer, whichever is greater, will apply.
- No annual fee1
- No foreign transaction fees1
Here's what you can expect from our Cash Rewards Credit Card:
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SunTrust Cash Deposit Bonus—Client Exclusive
Cash in even more. Get a Cash Deposit Bonus of 10%, 25% or more3 based on your deposit relationship with SunTrust, when you redeem your cash back directly into a SunTrust Checking, Savings or Money Market account.
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Flexible Rewards Options
Enjoy hundreds of redemption options, including cash back, e-gift cards, travel and more. Access and redeem rewards online at suntrust.com/rewards.
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Enjoy Free Access To Your FICO® Score Updated Monthly
As a SunTrust credit cardholder, your FICO® Score will be available in Online Banking. It'll be accompanied by insights into what's affected your score, and credit education to help you stay on track.
Learn More > -
Pick Your Card Design
Choose from two card designs to make your card feel more like yours. Features and functions are the same no matter which design you choose.
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EMV Chip Technology
Enhanced security and greater acceptance on purchases at chip terminals in the US and abroad.
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SunTrust World Mastercard® Cardholder Benefits
Shopping. Travel. Convenience. Protection. Take advantage of all the benefits and support that only come from Mastercard®.
See the World Benefits Guide >
Take advantage of all this and more. Apply for the SunTrust Cash Rewards Credit Card today.
Enjoy hundreds of redemption options, including cash back, e-gift cards, travel and more.
Access and redeem rewards online
Already a SunTrust client?
- For more details, seeTerms & Conditions
DISCLAIMERS
2 5% Cash Rewards Benefit (Cash Rewards): You will earn an additional 3% in Cash Rewards (5% Cash Rewards total), at Participating Merchants (gas and grocery stores), on Qualifying Purchases made with the Card (a) up to the $6,000 combined total of Qualifying Purchases made at Participating Merchants or (b) through the first 12 months after account opening, whichever comes first. After you have fully utilized the additional 3% benefit either by (a) spending up to the $6,000 combined total of gas and grocery Qualifying Purchases made at Participating Merchants or (b) reaching the end of the first 12 months after account opening, whichever comes first, you can then earn the unlimited 2% Cash Rewards Benefit. The 5% Cash Rewards Benefit is only available during the first 12 months after account opening.
3 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.
- 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.
- * Private Wealth Management means the group within SunTrust Bank that provides a full array of wealth management products and professional services to high net worth clients seeking active management of their financial resources. Private Wealth Management is a marketing name used by SunTrust Banks, Inc. and the following affiliates: Banking and trust products and services, including investment advisory products and services, are provided by SunTrust Bank. Securities, insurance (including annuities) and other investment products and services (including brokerage accounts) are offered by SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer, member FINRA, SIPC, and a licensed insurance agency.
- † 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.
4 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.
The Mastercard® Card is issued by SunTrust Bank, pursuant to a license from Mastercard International.
© 2017 Mastercard. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
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