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Features and Benefits

Richer rewards

Turn your purchases into valuable shopping, travel and entertainment rewards. The SunTrust Rewards program allows you to earn 2 SunPoints per $1 spent on gas, grocery and drugstore purchases1 and 1 point per $1 spent on other purchases2.
  • Gift Cards
  • Cash back in the form of a credit to your account
  • State-of-the-art electronics and video games
  • Sporting Goods
  • Travel
  • Home and outdoor accessories
Bonus SunPoints, discounts and special offers are also available when you use your SunTrust Credit Card to shop with hundreds of merchants via SunTrust Rewards BonusBuys. Visit SunTrust Rewards to learn more.

Conveniences include:
  • In-branch credit card service – check your account balance, make a payment
  • Single sign-on Web access from Online Banking
  • Visa payWave – make fast, secure purchases at thousands of places such as CVS®, McDonald's®, AMC Theaters®, 7-Eleven®, and many others
Extra security
  • Visa® Zero Liability3 protects you from liability for unauthorized use of your card or account information
  • Optional Overdraft Protection Service for your SunTrust checking account
Platinum Visa Services3
  • Visa Concierge Services
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Travel and Emergency Assistance Services
You can also call 866.371.9606 to apply by phone.

For additional information: 1Double Points Benefit: You will earn two points per qualifying transaction made with the card at any eligible gas, grocery or drugstore merchant. Eligible merchants are determined by the associated merchant category code ("MCC") used by each merchant. Purchases made at merchants that do not process transactions under an eligible MCC may not qualify for double points.

2SunTrust Rewards Points:Qualifying Purchases on your SunTrust Credit Card do not include Balance Transfers (including Balance Transfers that post as Purchases), convenience checks, PIN-based transactions, payments made for stored-value cards such as gift cards and similar cards, wire transfers, money transfers, quasi cash, travelers checks and similar products that may be converted to cash, Cash Advances including withdrawals from ATMs and originations from the credit card itself), payment of existing card account balances, fees charged on your Account (for example, annual fees, Finance Charges and other fees and charges or insure a credit account card balance), including fees for products that protect or insure a credit card Account balance) and Purchases made when your credit card Account is not in good standing. For more details about SunTrust Rewards, visit

3 Covers U.S. issued cards only. Visa Zero Liability Policy does not apply to commercial credit car, or ATM transactions. Or PIN transactions not processed by Visa. Notify us immediately at 800.477.9702 of any fraudulent use. For specific restrictions, limitations, and other details, visit

The SunTrust Consumer Credit Card is subject to approval and is issued by SunTrust Bank pursuant to a license from Visa. All credit cards are subject to credit approval.

SunTrust Rewards, SunPoints and SunTrust Rewards BonusBuys are federally registered service marks of SunTrust Banks, Inc.
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Securities and Insurance Products and Services:
Are Not FDIC or any other Government Agency Insured Are Not Bank Guaranteed May Lose Value
Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products (including checking accounts) and services are provided by SunTrust Bank, Member FDIC. Securities, insurance (including annuities and certain life insurance products) and other investment services (including Brokerage accounts) are offered by SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer and a member of the FINRA and SIPC. Other insurance products and services offered by SunTrust Insurance Services, Inc., a licensed insurance agency.