SunTrust Bank Home SunTrust Bank Home

All of our credit cards come with the essentials and then some

In addition to standard features like Online Banking with Bill Pay1 and Mobile and Tablet Banking2, there are a variety of other products, services, features and benefits that you can expect with any of our credit cards.

  • Cash Back Rewards Bonus Cash Back Bonus — Client Exclusive

    Get a cash back bonus of 10%, 25% or more3 based on your deposit relationship with SunTrust, when you call to redeem your cash back directly into a SunTrust Checking, Savings or Money Market account.
    Find Your Checking Account >

  • FICO Sore Program Your FICO® Score updated monthly

    Free access to your FICO® Score is available in Online Banking. It gets updated each month along with the top two most recent key factors affecting your score. Credit education will also be available to help keep you on track.
    More FICO® Score Program Info >

  • Card Design Choose A Card Design

    Choose from two card designs to make your card feel more like yours. Enjoy the same great card features and functionality no matter which design you choose. (Not applicable to Secured Credit Card).

  • 24-Hour Customer Service

    24-Hour Customer Service

    Questions can pop up beyond bankers’ hours. That’s why we offer round-the-clock US-based SunTrust customer service to address all of your needs. Call 800.SUNTRUST, or chat with us online.
    Chat Live Now >

EMV Chip Technology

For greater international payment acceptance, and extra levels of security against card fraud, all of our cards are equipped with EMV chip technology. Designed to help further protect your identity and ensure that you are in fact the authorized user of the card, this technology has proven to make it more difficult to duplicate the card or make purchases without authorization.
Learn More >

Checking Account Options

No matter which card you choose, the benefits get better when you pair it with a SunTrust Checking account—think Cash Back deposit bonuses. There are a variety of checking accounts to choose from. Each one is designed to fit with where you are in your financial journey and help you get to the next level of financial confidence.
Learn More About Checking Accounts >

Optional Overdraft Protection

Opt in, and we’ll link your 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 or find out how to add Overdraft Protection now.

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.

Branch & ATM Banking

Convenient access to more than 1,500 branches and 2,200 ATMs is available throughout eight southern states and Washington, D.C.
Find Us >

Protection

Zero Liability ensures you’re not liable for unauthorized card purchases

Extended warranty doubles manufacturer or store brand warranty—up to two years (one year for platinum cards)

Price Protection reimburses price difference if you find a lower price within 120 days of purchase

Purchase assurance covers damaged or stolen items within 90 days of purchase

Convenience

Concierge services assist with reservations, event tickets, locating hard-to-find items, gift giving and business arrangements MasterCard Global Services help you in an emergency—lost/stolen card, card replacement, cash advances, finding ATMs

MasterCard Global Services help you in an emergency—lost/stolen card, card replacement, cash advances, finding ATMs

Travel

Up to $100 credit towards TSA PreCheck or Global Entry 5-year membership fees (Travel Rewards World Elite clients)5

MasterAssist Travel Assistance offers trip-planning advice and referrals when traveling 100+ miles from home

Travel Accident Insurance covers you against accidental death or serious injury up to $250,000

Baggage Delay reimburses you for replacing essential items in delayed baggage

Trip Cancellation protects you against losses if your trip is interrupted or cancelled

MasterRental/CDW pays for covered damages to a rental vehicle

Shop, Travel, Cash | SunTrust

The SunTrust Cash Rewards Program

Easy to Earn. Easy to Redeem. Hundreds of Redemption Options.

It's just this simple:

  • Choose your credit card from our suite—earn rewards with any of them!
  • Use it for everyday purchases, travel, big-ticket spending, or whatever best suites your lifestyle.
  • Redeem your rewards directly online at suntrust.com/rewards.
  • Select from hundreds of exciting rewards options, like cash back, travel, experiential rewards, eGift cards, merchandise and more!
  • Plus, manage your rewards account on our rewards site, too.

Apply For A Card Today

Cash back or statement credit redemption transactions will be initiated within 5 business days, and you'll typically see the credit in Online Banking soon after. Most merchandise redemptions will be shipped within 48 hours from receipt of the order, but please allow 4 to 6 weeks for delivery.

DISCLAIMERS

1 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.

2 SunTrust does not charge a fee for the use of SunTrust Mobile Banking or Tablet Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply. A SunTrust Online Banking account is required to enroll in any of the Mobile and Tablet Banking services.

3 Cash Rewards Redemption: 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 $25 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 (excludes Secured Savings Account) will receive a cash back bonus of 10%, 25%, 50%, or 75% on 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 Program Agreement), as follows:

  • SunTrust Private Wealth Management* clients will receive a cash back bonus of 75%; on $100 in base Cash Rewards, these clients would earn an additional $75, totaling $175 in Cash Rewards earnings.
  • Clients with SunTrust Signature Advantage accounts and $100,000 or more in Combined Consumer Deposits and Investment Balances with SunTrust or clients in the Premier Banking Program,will receive a cash back bonus of 50%. On $100 in base Cash Rewards, these clients would earn an additional $50, totaling $150 in Cash Rewards earnings.
  • Clients with SunTrust Signature Advantage accounts and less than $100,000 in Combined Consumer Deposits and Investment Balances with SunTrust will receive a cash back bonus of 25%. On $100 in base Cash Rewards, these clients would earn an additional $25, totaling $125 in Cash Rewards earnings.
  • All other clients who redeem their Cash Rewards into a SunTrust checking, savings, or money market account will receive a cash back bonus of 10%. On $100 in base Cash Rewards, these clients would earn an additional $10, totaling $110 in Cash Rewards earnings.
    • * 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.
    • † 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).
    • ‡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.

4 Additional terms and conditions apply, which SunTrust will provide to you when you become an enrolled program member. See the MasterCard Benefits Guide you will receive with your new card when you become a cardholder.

5 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.

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

© 2015 MasterCard. MasterCard and the MasterCard brand marks are trademarks of MasterCard International Incorporated.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Resource Center

  • For more details about Wire Transfers with SunTrust, call 1.800.947.3786 - options 1 & 4

    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 1.800.947.3786 - options 1 & 1