Prime Rewards Credit Card

Transfer balances and earn rewards with our Prime Rewards Credit Card.

SunTrust world prime rewards credit card 6/21
  • 3 year introductory offer at Prime Rate
    (currently 4.75% variable APR)
    on balance transfers made in the first 60 days after account opening. Variable 12.74%–22.74% APR thereafter.1
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

  • Intro balance transfer fee offer
    Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open1. After the first 60 days of account opening, the fee for future balance transfers is $10 or 3% of the amount of the transfer, whichever is greater.
  • 1% Unlimited Cash Back
    on all qualifying purchases4
  • $100 in statement credit2 after you spend $500 on qualifying purchases, in the first 3 months after account opening
  • No annual fee1
  • No foreign transaction fees1

1 Terms and Conditions


What is Prime Rate?

The Prime Rate is used by many banks as a benchmark or index to set the rate on consumer loan products. The Prime Rate is quoted in the "Money Rates" section of The Wall Street Journal (Eastern Edition) on the 28th day (or if the 28th day is not a business day, the next business day thereafter) of the prior calendar month.

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

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

Your rewards. Your Way.

Enjoy hundreds of redemption options, including cash back, e-gift cards, travel and more.

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Subject to credit approval, eligibility and credit qualifications.

2 $100 Statement Credit: You will earn a $100 Statement Credit after spending $500 on net Qualifying Purchases within the first 3 months after account opening. After qualifying, please allow 1-2 billing cycles for the credit to appear on your billing statement

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 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.

© 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