SunTrust Personal Credit Cards

Find the credit card that's right for you.

Whether you want to earn rewards, transfer balances or build your credit, our variety of credit cards has you covered.

Secured Credit Card.

If you’re building your credit, check out our Secured Credit Card with Cash Rewards. Refundable security deposit required. See Terms & Conditions.

Flexible Choices and Hundreds of Redemption Options.

Rack up rewards and redeem them online at suntrust.com/rewards. Plus, browse exciting rewards options like cash back, travel, eGift cards, merchandise and more, and manage your rewards account there, too.

DISCLAIMERS

Subject to credit approval, eligibility and credit qualifications.

1 Cash Rewards: Purchase and Balance Transfer APR: 0.0% Intro APR for 15 months. 11.24%–21.24% variable thereafter. Cash Advance APR: 24.99% variable. Standard Purchase, Balance Transfer and Cash Advance APRs will vary with the market based on the Prime Rate. APRs in effect as of 2/1/2021. Minimum interest charge $0.50. Foreign Transaction Fee: None. Cash Advance Fee: $10 or 4% of cash advance amount, whichever is greater. Balance Transfer Fee: $10 or 3% of the balance, whichever is greater. Annual Fee: None.

1 Prime Rewards: Purchase APR: 11.24%–21.24% variable. Balance Transfer APR: Prime Rate (intro, currently 3.25% variable) APR for the first three years for all balances transferred within 60 days of account opening. 11.24%–21.24% variable thereafter. Cash Advance APR: 24.99% variable. Standard Purchase, Balance Transfer and Cash Advance APRs will vary with the market based on the Prime Rate. APRs in effect as of 2/1/2021. Minimum interest charge $0.50. Foreign Transaction Fee: None. Cash Advance Fee: $10 or 4% of cash advance amount, whichever is greater. Balance Transfer Fee: None for all balances transferred within 60 days of account opening, then $10 or 3% of the amount of the transfer, whichever is greater. Annual Fee: None.

1 Travel Rewards: Purchase APR: 11.24%–21.24% variable. Balance Transfer APR: 0.0% Intro APR for 15 months. 11.24%–21.24% variable thereafter. Cash Advance APR: 24.99% variable.Standard Purchase, Balance Transfer and Cash Advance APRs will vary with the market based on the Prime Rate. APRs are in effect as of 2/1/2021. Minimum Interest Charge: $0.50. Foreign Transaction Fee: None. Cash Advance Fee: $10 or 4% of cash advance amount, whichever is greater. Balance Transfer Fee: $10 or 3% of balance transfer amount, whichever is greater. Annual Fee: $0 intro annual fee for the first year, $89 thereafter.

2 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.

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 $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 in your cash rewards account. 

5 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.

6 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. 

7 SunTrust does not charge a fee for the use of SunTrust Online Banking with Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-SunTrust accounts.

8 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. 

9 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.

10 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.

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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  • Support

      24 Hour Support: 800.477.9702

       

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  • 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

 

Truist Bank, Member FDIC. ©2021 Truist Financial Corporation. SunTrust®, the SunTrust logo, and Truist are service marks of Truist Financial Corporation. 

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Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.Link opens a new window

Services provided by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc. (d/b/a SunTrust Investment Services, Inc.), and P.J. Robb Variable Corp., which are SEC registered broker-dealers, members FINRALink opens a new window, SIPCLink opens a new window, and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc. (d/b/a SunTrust Advisory Services, Inc.), GFO Advisory Services, LLC, BB&T Securities, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank now Truist Bank.  Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477, a wholly owned subsidiary of Truist Insurance Holdings, Inc.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist Financial Corporation: SunTrust Bank now Truist Bank, our commercial bank, which provides banking, trust and asset management services; Truist Investment Services, Inc., a registered broker-dealer, which is a member of FINRALink opens a new window and SIPCLink opens a new window, and a licensed insurance agency, and which provides securities, annuities and life insurance products; Truist Advisory Services, Inc., an SEC registered investment adviser which provides Investment Advisory services.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by affiliates of Truist Financial Corporation.

Truist Securities is the trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries, including Truist Securities, Inc., member FINRALink opens a new window and SIPCLink opens a new window.

New York City residents: Translation or other language access services may be available.  When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca. 

Thank you for choosing SunTrust now Truist. We welcome the opportunity to serve your financial needs. While SunTrust and BB&T have merged to become 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.

Our friendly teammates at your local BB&T branches will be happy to walk you through their products. You can also learn more by contacting them at 1-800-BANK-BBT or BBT.com.