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Interest Rates and Interest Charges | |
Annual Percentage Rate (APR) for Purchases | 0.00% Introductory APR for the first 15 months. After that your APR will be 12.74% - 22.74% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | 0.00% Introductory APR for the first 15 months. After that your APR will be 12.74% - 22.74% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances and Overdraft Advances | 26.49% This APR will vary with the market based on the Prime Rate. |
How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.50 |
For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau |
Fees | |
Annual Fee | None |
Transaction Fees - Balance Transfer - Cash Advance - Foreign Transaction |
- $10.00 or 3% of the amount of the transfer, whichever is greater - $10.00 or 4% of the amount of each advance, whichever is greater - None |
Penalty Fees - Late Payment - Return Payment |
- Up to $38 - Up to $38 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new transactions)".
Loss of Introductory or Promotional APR: We may end your introductory or promotional APR and apply the Purchase APR or SunTrust Cash Rewards Credit Card – Rates, Fees and Rewards Terms Balance Transfer APR if you make a late payment.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your account agreement.
Prime Rate: We use the prime rate quoted in the “Money Rates” section of The Wall Street Journal on the 28th day (or if the 28th day is not a business day, the next business day thereafter) of the prior calendar month.
Credit Report: By applying for this Account you agree that we may obtain credit reports for purposes of processing your application and for later purposes related to your Account such as reviewing, updating, renewing, increasing the Credit Limit and collecting. If you request, you will be informed of whether or not a credit report was requested and of the name and address of the consumer reporting agency that furnished the report. You also authorize us to verify your employment, income and other relevant information.
Notice to Cardmembers and Authorized Users: By becoming a Cardmember or Authorized User, we may report information on that Account to credit bureaus. Late payments, missed payments or other defaults on that Account may be reflected in your credit report. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money-laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person (including business entities) who opens an account. What this means for you: When you open an account, we will ask for your name, physical address, date of birth and other information that will allow us to identify you. We may also ask for other identifying documents. We will let you know if additional information is required.
Married Applicants: Married applicants may apply for separate accounts in their own names.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Notice to Married Wisconsin Applicants: No provision of any marital property agreement, unilateral statement or court decree adversely affects our interest and/or rights unless, prior to the time the credit is granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement or statement or decree or have actual knowledge of the adverse provision. Married Wisconsin residents applying for credit separately must furnish name, Social Security number and address of their spouse to us at Cardmember Services, P.O. Box 621809, Orlando, FL 32862-1809.
California Residents: The applicant, if married, may apply for a separate account. After credit approval, each applicant shall have the right to use this account to the extent of any credit limit set by the creditor and each applicant may be liable for all amounts of credit extended under this account to each joint applicant.
New York Residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. NY State Dept of Financial Services: 1-800-342-3736 http://www.dfs.ny.gov/consumer/creditdebt.htm
This is a summary of the Cash Rewards Program for your SunTrust Cash Rewards Credit Card. The complete and most up to date terms for the Cash Rewards Program can be found in the SunTrust Rewards Program Agreement at www.suntrust.com/rewards. If there is a conflict between this Summary and the Program Agreement, the Program Agreement will govern. Your SunTrust Credit Card Account Agreement contains the terms and conditions related to your card account. If there is a conflict between your Credit Card Account Agreement and either the Summary or the Program Agreement, the Credit Card Account Agreement will govern.
Through the Program1, you will earn Cash Rewards2 credits of 1% on new Qualifying Purchases3 on your Card4, if your Card Account5 is in Good Standing. 6 There is no restriction on the amount of Cash Rewards that you may earn or redeem, subject to the $5 minimum redemption amount (see below). SunTrust reserves the right to determine your eligibility for enrollment in the Program and your continued participation. There is no cost for Program participation. If eligible, you are automatically enrolled. Your Cash Rewards Program will be established in the name of the primary cardholder.
SunTrust Cash Rewards Accounts8 are updated daily. Your Card Account billing statement will include your total number of Cash Rewards earned for the then current billing period.
You can redeem Cash Rewards for cash back, gift cards, merchandise, travel and experiential rewards, subject to the terms and conditions found in the SunTrust Rewards Program Agreement. Redemptions can be made through the Program website or by calling the Rewards Service Center. 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 will receive an additional Cash Deposit Bonus9 of 10%, 25%, or 50% on your Cash Rewards redemption, depending on your deposit relationship with SunTrust, as of the last day of the month preceding 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 Redemption Details10), as follows:
Redemption requests are typically initiated within 5 business days, however, processing time could be longer. You are still responsible for the minimum monthly payment in any given month that a cash back redemption is applied against your Card Account balance. Therefore, if you wish to avoid interest charges on your Account, you must pay your outstanding balance in full because Cash Rewards that are redeemed as a statement credit may be delayed in posting to your Card Account. Cash Rewards credits may not be applied to your Card Account statement to produce a credit balance on your Card Account.
Cash Rewards credits are not your property and cannot be transferred, gifted, sold, attached, pledged or bartered under any circumstance, including disability, death, upon operation of law or in connection with a domestic relations or other legal dispute. SunTrust may suspend redemption rights of your Cash Rewards earnings if a dispute occurs between you and SunTrust or between you and an authorized user or joint owner regarding the business’s Card Account or Cash Rewards Account.
Cash Rewards have no expiration date; however, if you close your Card Account, you must request and redeem your Cash Rewards within 60 days after the date of your Card Account closing. If you request your redemption after you close your Card Account, SunTrust will issue a check for the Cash Rewards. If you do not redeem your Cash Rewards within 60 days after your Card Account is closed, you will forfeit the Cash Rewards earnings.
There is no minimum redemption requirement after Card Account closure; however, all earnings less than $5 are of such nominal value that they will be forfeited and are not redeemable.
Cash Rewards will be forfeited if (1) You file for bankruptcy, or (2) You close every Card Account enrolled in the Program and your Cash Rewards have not been redeemed within 60 days after your Card Account is closed; provided, however, that this 60 day grace period to redeem after Card Account closure will not apply if any Card Account is not in Good Standing at the time of closure and any circumstances of (1) or (2) above apply.
SunTrust Card Services manages SunTrust Cash Rewards. For questions or to address concerns about your Cash Rewards Account or to redeem Cash Rewards earnings, call the Rewards Service Center at 800.255.7125, Monday through Friday from 7:00 a.m. - 9:00 p.m. ET and on Saturday and Sunday from 9:00 a.m. - 9:00 p.m., ET.
If you believe there is an error on your Cash Rewards Account, you must report such error to us promptly but in no event more than 60 days after the date the Qualifying Purchase or any subsequent adjustment is posted to your SunTrust Cash Rewards Account. SunTrust is not liable for any error after that time period, and your SunTrust Cash Rewards Account will be deemed correct. SunTrust Cash Rewards Account errors are not billing errors under your Card Account Agreement. SunTrust’s decision regarding any error will be final.
Taxes. Earning Cash Rewards and redemption of Cash Rewards earnings may be subject to income tax and/or other taxes. Any applicable federal, state, or local tax obligations related to the Program are your responsibility. Please consult your tax advisor concerning any such income or other tax consequences related to your participation in the Program.
Changes: SunTrust may, from time to time and in SunTrust’s sole discretion, amend, delete, or add to these Program terms and may change or limit any aspect of the Program and its restrictions, benefits, or features, in whole or in part. Such changes may be retroactive as allowed by applicable law. SunTrust will post any such changes to these Program terms at www.suntrust.com/rewards and it is your responsibility to review the updated Program terms for any such changes.
Termination. SunTrust reserves the right to suspend or terminate the Program at any time. If the Program is terminated, you will be notified of the date by which you must redeem all your accumulated Cash Rewards earnings.
The following definitions apply each time the bolded word or phrase is used in this Program Summary.
1 Program or Rewards Program means the program offered by SunTrust whereby use of your Card allows you to earn Cash Rewards in accordance with the Rewards Program Agreement.
2 Cash Rewards are the credits for cash earned on your SunTrust Cash Rewards Credit Card in accordance with the SunTrust Rewards Program Agreement.
3 Qualifying Purchases means any new retail purchase transactions (qualifying purchases less credits, returns and adjustments) charged to any Card each billing cycle. Qualifying Purchases do not include balance transfers, convenience checks, payments made for stored value cards such as gift cards and similar cards, wire transfers, money transfers, quasi cash or cash-equivalent items (e.g., travelers checks, Rewards and any other items that serve as cash or are convertible to cash), and similar products that may be converted to cash, cash advances (including withdrawals from ATMs and originations from the Card itself), payment of existing Card balances, fees charged by us (for example; annual fees, finance charges, fees and other charges including, but not limited to, fees for products that protect or insure a Card balance), fraudulent/unauthorized transactions, overdraft advances, and purchases made when your Card is not in Good Standing. We reserve the right to determine in our sole discretion whether a particular transaction is a Qualifying Purchase.
A Qualifying Purchase is determined to qualify for the additional bonus reward rate if the merchant assigns the appropriate MCC code to the transaction information received by SunTrust. SunTrust is not responsible for inaccurate reporting by participating merchants.
4 Card means your SunTrust Cash Rewards Credit Card account and the credit card issued under your SunTrust Credit Card account enrolled in the Program.
5 Card Account or Account means your SunTrust Cash Rewards Credit Card account.
6 Good Standing means that your Card Account is not in default and you are in full compliance with the terms of your Card Account Agreement.
7 Participating Merchants are those participating gas stations and grocery stores who sell products/services within the following Merchant Category Codes (MCCs): 5411, 5541, and 5542.
8 Cash Rewards Account means the rewards account where your Cash Rewards credits will be placed. This account is solely used to reflect your Cash Rewards earnings and is not a checking, savings, money market or other deposit-type account. Cash Rewards must be requested and redeemed before they can be made available to you in a deposit account, per the conditions described above and in the SunTrust Rewards Program Agreement.
9 Cash Deposit Bonus means the additional Cash Rewards that may be earned for cardholders who deposit their Cash Rewards via an ACH credit into a SunTrust deposit account. The bonus amount will be determined by the cardholders deposit relationship with SunTrust Bank at the time Cash Rewards are redeemed as indicated in the Redemption Details.
10 Redemption Details: For the purposes of the Cash Deposit Bonus, your deposit relationship will be determined as of the last day of the month preceding redemption if you redeem after the first calendar day that falls after the first business day of the month. If, however, you redeem on or before the first calendar day of the month that falls after the first business day of the month, then your deposit relationship will be determined as of the last day of the month that is two months’ prior to redemption. So, for example, if the first of November is on a Sunday, then:
11 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.
12 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).
13 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.
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Credit cards can sometimes get a bad rap. But when used responsibly— they can be incredibly advantageous and offer perks and rewards that allow you to live your best financial life.
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As anyone who has watched the ABC reality TV competition Shark Tank knows, figuring out the magic number of a business's value can make - or break - a deal. Accurately valuing a business, just like any property appraisal, requires both art and science.
The SunTrust Weekly Market Monitor provides a view of last week’s market events.
For more details about Wire Transfers with SunTrust, call 800.947.3786
SunTrust Incoming wire instructions:
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
SunTrust Bank is an Equal Housing Lender. Member FDIC
Equal Housing Lender. SunTrust Mortgage, Inc
SunTrust, SunTrust Mortgage, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.
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 and SunTrust Banks Trust Company (Cayman) Limited. 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 provided by SunTrust Mortgage, Inc.
SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, 1-800-634-7928. CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, IL 60601, 1-888-473-4858, MA: Mortgage Lender license #-ML-2915, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, NY: Licensed Mortgage Banker—NYS Department of Financial Services, and RI: Rhode Island Licensed Lender.
"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.
SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups and GenSpring are marketing names used by SunTrust Bank, SunTrust Banks Trust Company (Cayman) Limited, SunTrust Delaware Trust Company, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.
SunTrust Bank and its affiliates do not accept fiduciary responsibility for all banking and investment account types offered. Please consult with your SunTrust representative to determine whether SunTrust and its affiliates have agreed to accept fiduciary responsibility for your account(s) and if you have completed the documentation necessary to establish a fiduciary relationship with SunTrust Bank or an affiliate. Additional information regarding account types and important disclosures may be found at www.suntrust.com/investmentinfo.
SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.