Travel Rewards Credit Card

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Go the distance with great rewards from our Travel Rewards Credit Card.

SunTrust travel rewards credit card
  • $250 Statement Credit after you spend $3,000 on qualifying purchasesin the first three months after account opening3
  • 3% Unlimited Cash Back on travel qualifying purchases4
  • 2% Unlimited Cash Back on dining qualifying purchases5
  • 1% Unlimited Cash Back on all other qualifying purchases—all the time
  • Up to a $100 statement credit every 5 years, as reimbursement for your application fee for Global Entry or TSA Precheck6
  • No foreign transaction fees1
  • $0 Intro Annual fee1 for the first year, $89 thereafter
  • 0.0% intro APR on 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. 

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.

1 Terms and Conditions

 

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Explore SunTrust Travel Rewards Credit Card features and benefits:

SunTrust Loyalty Cash Bonus

Cash in even more. Get a Loyalty Cash Bonus of 10%, 25% or 50%7 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 Deals8 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.


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Credit Card Lock/Unlock9

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.


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New
Up to $120 Lyft credits per year

Take 5 Lyft10 rides in a month and get a $10 credit, one per month, with your eligible card.

New
$5 Fandango Rewards

Earn $5 toward more movies every time you purchase two movie tickets at Fandango11 with a Fandango VIP account.

New
5% Cash Rewards on Boxed.com future purchases

Order everyday essentials in bulk online with Boxed12, pay with your eligible card, and earn 5% cash rewards towards future purchases at Boxed.

2-Year Extended Warranty13

Doubles the original manufacturer's warranty up to 2 years on most items purchased with your eligible card.

Price Protection14

If you find a lower price for most new items within 120 days from the purchase date using your eligible card, you may be reimbursed for the price difference.

Concierge Service

Complimentary VIP service with a personal assistant ready to help 24/7, worldwide

Purchase Assurance15

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 Postmates16 and get $5 off every purchase of $25 or more (excluding tip, taxes, and delivery fees).

Mastercard ID Theft Protection™17

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 Protection18

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 Liability19

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


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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.


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LoungeKey Airport Lounge Access

Access 1000+ LoungeKey airport lounges in 120+ countries in over 400 airports, using your eligible card. Your lounge membership includes "pay as you go" access at only $32 per visit, per person.


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Global Entry or TSA Pre ✓®

Receive up to a $100 statement credit every 5 years as reimbursement for your Global Entry or TSA Precheck6 application fee paid with your eligible card.

Worldwide Automatic Insurance20

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.

MasterRental21

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 Services22

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 $250 Statement Credit: You will earn a $250 statement credit after spending $3,000 on net Qualifying Purchases within the first three months after account opening. After qualifying, please allow 1-2 billing cycles for the credit to appear on your statement.

4 3% Cash Rewards Benefit (Travel Rewards): You will earn an unlimited additional 2% in Cash Rewards (3% Cash Rewards total) at Participating Merchants (travel) on Qualifying Purchases made with the Card.

5 2% Cash Back Benefit (Dining Rewards):  You will earn an unlimited additional 1% in Cash Rewards (2% Cash Rewards total) at Participating Merchants (dining) on Qualifying Purchases made with the Card.

6 Global Entry/TSA Precheck: SunTrust Travel Rewards cardholders are eligible to receive one (1) statement credit per account, every five (5) years up to $100, for either the Global Entry or the TSA Precheck application fee. Cardholder must charge the application fee of at least $85 to their SunTrust Travel Rewards Card to be eligible for the statement credit. Cardholders will receive a statement credit for the first program (either Global Entry or TSA Precheck) to which they apply and pay for with their eligible card, regardless of whether they are approved for Global Entry or TSA Precheck.

The one (1) statement credit every five (5) years for the application fee charged to the SunTrust Travel Rewards card account, is applied by SunTrust directly to the card account. Please allow 1-2 billing cycles after the qualifying Global Entry or TSA Precheck is charged to the eligible account for the statement credit to be posted to the account.

7 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.

8 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.

9 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.

10 Lyft: Certain terms, conditions and exclusions apply. Enrollees in the Lyft and Mastercard World Elite benefit will receive a $10 Lyft credit (“Credit”) for taking five (5) Lyft rides in a calendar month when paid for with a Mastercard World Elite credit card. Limit one Credit per month per Lyft account. Credit may take up to 2 days to be applied. Credit expires 30 days after application. See www.lyft.com/mastercard-world-elite for full terms and to enroll in the program. Lyft’s Terms of Service apply. Lyft CUPC ID No. TCP0032513 – P.

11 Fandango: Certain terms, conditions, and exclusions apply. See your guide to benefits or visit www.fandango.com/vip+mastercard for more information.

12 Boxed: Beginning at 12:00AM ET on 4/15/19, customers using an eligible World Elite Mastercard could earn 5% in Cash Rewards on the total amount of every purchase made at Boxed, excluding taxes and governmental fees, shipping and handling charges, discounts on account of any applicable Promotions and/or Promo Codes, the application of any accrued Cash Rewards and alcoholic products. Shipping within the contiguous U.S. only. Standard terms and conditions apply (www.boxed.com/terms-conditions/). For more details visit: www.boxed.com/worldelite

13 Extended Warranty: 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 Price Protection: Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by AIG WarrantyGuard, Inc., an AIG company. Policy provides secondary coverage only.

15 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.

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

17 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.

18 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.

19 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.

20 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.

21 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.

22 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.

TSA Precheck and Global Entry are registered trademarks of the United States Department of Homeland Security.

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

© 2020 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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