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

Secured Credit Card
  • 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

To get started, call us at 800.SUNTRUST or find a branch near you.

 

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:

 

  • Cash Back Bonus

    Cash Back Bonus—Client Exclusive

    Cash in even more. Get a cash back bonus of 10%, 25% or more3 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 >

  • Flexible Rewards Options

    Flexible Rewards Options

    Enjoy hundreds of redemption options, including cash back, gift cards, travel and more. Access and redeem rewards online at suntrust.com/rewards.

  • Enjoy Free Access To Your FICO® Score Updated Monthly

    Enjoy Free Access To Your FICO® Score Updated Monthly

    As a SunTrust credit cardholder, your FICO® Score will be available in Online Banking. It'll be accompanied by insights into what's affected your score, and credit education to help you stay on track.
    Learn More >

  • EMV Chip Technology

    EMV Chip Technology

    Enhanced security and greater acceptance on purchases at chip terminals in the US and abroad.
    Learn More >

  • World MasterCard® Cardholder Benefits

    SunTrust Platinum MasterCard® Cardholder Benefits

    Shopping. Travel. Convenience. Protection. Take advantage of all the benefits and support that only come from MasterCard®.
    See the Platinum Benefits Guide >

Take advantage of all this and more. Call 800.SUNTRUST or find a branch near you to apply for the SunTrust Secured Credit Card with Cash Rewards today.

Your rewards. Your Way.

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

Access and redeem rewards online

Find A Branch
Use the following form to search for a specialist near you.

DISCLAIMERS

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 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 $5 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.

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