Cash Rewards Credit Card

fpo
SunTrust and BB&T are now Truist

Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Learn More

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 purchasesin the first 12 months3
  • 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 12.74%–22.74% 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

 

Already a SunTrust client?

Find A Branch

Go
 

Explore SunTrust Cash Rewards Credit Card features and benefits:

SunTrust Loyalty Cash Bonus

Cash in even more. Get a Loyalty Cash Bonus of 10%, 25% or 50%4 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 >

SunTrust Rewards

Enjoy hundreds of redemption options, including cash back, gift cards, travel and more. Access and redeem rewards online at suntrust.com/rewards.

SunTrust Deals

Earn cash back when you use your SunTrust credit card to make purchases at your favorite retailers. SunTrust Deals5 is separate from the SunTrust Rewards program.


Learn More >

Free Access to FICO® Score

As a SunTrust credit cardholder, your FICO® Score will be available in Online Banking and updated every month. It'll be accompanied by insights into what's affected your score, and credit education to help you stay on track. Available for primary cardholders only.


Learn More >

Credit Card Lock/Unlock6

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.

Optional Overdraft Protection

Opt in, and we'll link your SunTrust 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 >

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

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


Learn More >

Purchase Assurance7

Covers most items purchased with your eligible card if the item is damaged or stolen within 90 days of purchase date.

Complimentary ShopRunner® Membership

Get free 2-day shipping and free return shipping at over 140 online retailers, plus exclusive offers on thousands of brands.


Learn More and Enroll >

New
$5 off Postmates

Use your eligible card to order food, drinks or groceries through Postmates8 and get $5 off every purchase of $25 or more (excluding tip, taxes, and delivery fees).

Mastercard ID Theft Protection™9

Detects and helps quickly resolve ID theft events, 24/7, at no extra cost.


Learn More >

Mastercard Global Service

Get 24-hour assistance with a lost or stolen card, emergency card replacement, emergency cash advance, and finding an ATM.

New
Cell Phone Protection10

Pay your cell phone bill with your eligible card and receive up to $1,000 in coverage per year (limited to 2 claims/year, up to $800 per claim) should your phone get stolen or need repairs.

Zero Liability11

Pay only for purchases which you have authorized on your Mastercard. Unauthorized purchases are not your responsibility. Conditions and exceptions apply.


Learn More >

10% off onefinestay.com bookings

Choose from thousands of rental homes worldwide, each visited and vetted by a Guest Services team—and furnished with hotel-like amenities: fresh linens, fresh toiletries, and 24/7 concierge access via a mobile phone.


Learn More >

Worldwide Automatic Insurance12

Pay for a trip with your eligible card and receive:

  • Travel accident insurance coverage against accidental death or serious injury up to $250,000
  • Baggage delay reimbursement up to $100 for up to three days
  • Trip cancellation benefit up to $1,500 if your trip is interrupted or cancelled
Master RoadAssist® Roadside Service

Arranges emergency roadside assistance such as jump-starts, tire change, towing and gas delivery if you get stuck on the road. Service fees are pre-negotiated and billed to your eligible card.

MasterTrip® Travel Assistance

Prepare for your trip with free information on travel requirements, including documentation, immunizations and currency exchange rates. Get help locating lost or stolen travel materials, including luggage, and assistance with emergency cash transfers.

MasterRental13

Rent a vehicle with your eligible card and receive secondary collision coverage at no additional cost.

MasterAssist Travel Assistance Services

Help for you and your travel companions when traveling 50 miles or more from home.

Mastercard Travel & Lifestyle Services14

Complimentary professional travel services for help planning your trip, 24/7, plus hotel stay and lowest hotel rate guarantees provide additional value and peace of mind.


Learn More >

Travel Services Medical Assistance

Access a global referral network of doctors, dentists, hospitals and pharmacies, as well as help with prescription refills with local pharmacists.

MasterLegal® Referral Service

Provides English-speaking legal referrals or consults with appropriate embassies and consulates.

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 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.

4 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.

5 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.

6 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.

7 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.

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

9 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.

10 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.

11 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.

12 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.

13 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.

14 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.

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

© 2019 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.

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