Cash Rewards Credit Card

  • Apply for a credit card.

    • Cash in on everyday purchases with our Cash Rewards Credit Card.

    SunTrust cash rewards credit card 6/21
    • 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 13.24%–23.24% 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

    1 Terms and Conditions

     

    Here's what you can expect from our Cash Rewards Credit Card:

    • SunTrust Loyalty Cash Bonus—Client Exclusive

      SunTrust Loyalty Cash Bonus—Client Exclusive

      Cash in even more. Get a Loyalty Cash Bonus of 10%, 25% or 50%3 based on your deposit relationship with SunTrust, when you redeem your cash back directly into a SunTrust Checking, Savings or Money Market account.
      Find Your Checking Account >

    • Flexible Rewards Options

      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.

    • Enjoy Free Access To Your FICO® Score Updated Monthly

      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

      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.

    • EMV Chip Technology

      EMV Chip Technology

      Enhanced security and greater acceptance on purchases at chip terminals in the US and abroad.
      Learn More>

    • SunTrust World Mastercard® Cardholder Benefits

      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 > Link opens a new window

    Take advantage of all this and more. Apply for the SunTrust Cash Rewards Credit Card today.

     

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    DISCLAIMERS

    Subject to credit approval, eligibility and credit qualifications.

    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 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.

    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.

    © 2018 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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    • 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

     

    Investment and Insurance Products:

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

    © 2018 SunTrust Banks, Inc.

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    Services provided by the following affiliates of SunTrust Banks, Inc.: Banking products and services are provided by SunTrust Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company. Securities, brokerage accounts and insurance (including annuities) are offered by SunTrust Investment Services, Inc., a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services, Inc., a SEC registered adviser. GFO Advisory Services, LLC is a SEC registered investment adviser that provides investment advisory services to a group of private investment funds and other non-investment advisory services to affiliates. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank, and loans are made by SunTrust Bank.

    "SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.

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