Secured Credit Card with Cash Rewards

Build your credit while earning unlimited cash back with a Secured Credit Card from SunTrust.

Secured Credit Card with Cash Rewards
  • 2% Cash Back
    on up to $6,000 spent annually on gas and grocery qualifying purchases2
  • 1% Unlimited Cash Back
    on all other qualifying purchases
  • Tip: Maximize your cash back earnings with recurring payments such as cable, internet, phone and more.

1 Terms and Conditions
Refundable security deposit required*

 

Control spending, establish good financial habits and earn rewards, with just one card.

The Secured Card looks and functions like any other Mastercard®, the difference is how your credit limit gets determined.

Here’s how it works:

  • Apply and get approved for the card—just like with any other credit card
  • Open a SunTrust Secured Savings Account1
  • Make a one-time deposit (up to the amount of your approved limit) into the account—this determines your spending limit
  • Watch your deposit earn interest, while you build credit by using your new card

To help build your creditworthiness, we’ll report your payment history to major credit bureaus. Plus, we’ll give you free access to you FICO® Score updated monthly so you’ll be able to keep track of where you stand. Then, when it’s time to upgrade and close your Secured Card account, you’ll get your initial deposit back with interest.

Here’s what you can expect from our Secured Credit Card with Cash Rewards:

Your rewards. Your Way.

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

Access and redeem rewards online

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DISCLAIMERS

Subject to credit approval, eligibility and credit qualifications.

2 You will earn an additional 1% in Cash Rewards (2% Cash Rewards total) at Participating Merchants (gas and grocery stores), on Qualifying Purchases made with the Card for the first $6,000 combined total of Qualifying Purchases during each Calendar Year at Participating Merchants.

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.

You will earn an additional 1% in Cash Rewards (2% Cash Rewards total) at Participating Merchants (gas and grocery stores), on Qualifying Purchases made with the Card for the first $6,000 combined total of Qualifying Purchases during each Calendar Year at Participating Merchants.

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