With a SunTrust Business Credit Card, you can earn cash back, manage cash flow, pay bills, track expenses3, add cardholders to your account, get automatic rebates for everyday purchases through Mastercard Easy Savings® Program4, and more.
This card is for profit businesses only
There’s no minimum spend or maximum payout restrictions2. Once your rewards balance reaches $5 or more, you can redeem electronically after logging into Small Business Card Online (as an Administrator) or call 855.574.2423. Cash rewards may be deposited into a SunTrust Checking or Savings account or applied as a statement credit.6 Cash Back Rewards are at no additional cost to you, but you can also choose not to participate in the SunTrust Cash Back Rewards programs.
Learn More >
Get a Cash Deposit Bonus of 10% or 25% based on your Business deposit relationship with SunTrust when you redeem your Cash Back Rewards directly into a SunTrust Business Checking, Savings or Money Market account6.
Open a SunTrust Business Checking account today >
No coupons, no promo codes and no registration fees, just extra savings in the form of rebates that appear on your monthly statements when you make qualifying purchases like fuel, automobile maintenance, office equipment, shipping, hotels and rental cars at thousands of participating merchant locations. For more information, visit www.mastercard.us/en-us/businesses.html.
No pre-set spending limit7 gives you more control and flexibility over your accessible credit. A revolving Credit Limit will be put in place and may vary between standard card purchases, Balance Transfers and Cash Advances.
* Benefit available only for Mastercard® World Clients.
SunTrust also offers a Small Business Credit Card with no rewards specifically for not-for-profit organizations, trust managers, government agencies and municipalities. Visit your local branch to learn more.
SunTrust Business Card Online is designed to help you streamline your business expense management3. You can easily control, monitor and track card spending by you and your employees. Plus, you can keep business and personal expenses separated, and easily pay your credit card bill.
Sometimes it’s more convenient and efficient for operations if employees can make purchases and complete business transactions on your behalf. Add one or more cardholders to your SunTrust Business Credit Card account at no additional cost to you. You can even control the amount of credit per card via Small Business Card Online or by calling our Business Care Team 855.574.2423.
Zero Liability protects you from unauthorized purchases if your card is lost or stolen.8
Chip Technology allows greater card acceptance when traveling internationally, plus extra levels of security against card fraud when used at a chip card reader.
We offer exceptional services and benefits including; VIP access to sports and entertainment events, exciting culinary experiences and reservations at fine restaurants, travel packages, special offers and more.9 Call 877.884.3516 for details and get started today.
* Benefit available only for Mastercard® World Clients.
Whether you’re traveling for business, or taking care of day-to-day tasks, we’ve got you covered.
* Benefit available only for Mastercard® World Clients.
* Certification Regarding Beneficial Owner(s) and Controlling Person of Legal Entity Customers Form can be downloaded and completed prior to going to local branch to for account opening. A photocopy of Driver’s License or Passport is required for any Beneficial Owners not present for account opening.
1 Qualifying Purchases: Qualifying Purchases are any new purchases on a Card Account in Good Standing each billing cycle, minus credits/returns/adjustments, not including payment of existing account balances or charges for: (1) Balance Transfers, (2) Cash Advances (via ATM/card originations), (3) Cash-Equivalent Items (e.g., travelers cheques, gambling chips, etc.), (4) Fees/Interest, (5) Fraudulent/Unauthorized Transactions, (6) Convenience Checks, (7) Stored Value Cards (e.g., gift cards), (8) Wire Transfers or (9) Money Transfers.
2 Cash Back Disclosure: For accounts applied for on or after March 1, 2016, if you are participating in the Cash Rewards program and your account is in Good Standing, during the first 12 months after account opening each Qualifying Purchase will earn 5%, of which 1% is the base rate and 4% is a bonus, on the first $2,000 spent during each billing cycle in the aggregate at participating gas stations and office supply retailers [Merchant Category classification (MCC) codes 5021, 5111, 5172, 5541, 5542 and 5943] and 1% in those categories thereafter. The 5% Cash Rewards benefit is only available during the first 12 months after account opening. After the first 12 months you will earn 3%, of which 1% is the base rate and 2% is a bonus on the first $2,000 spent during each billing cycle at participating gas stations and office supply retailers. Wholesale clubs and discount stores (MCC codes 5300, 5310) will earn 0.25%. Most other qualifying purchases will earn 1% cash back. A Qualifying Purchase is determined to qualify for the additional bonus reward rate if the Participating Merchant assigns the appropriate MCC code to the transaction information received by SunTrust. SunTrust is not responsible for inaccurate reporting by Participating Merchants. Cash Rewards earnings will expire on the last day of the year, 5 years after the year that SunTrust posts the earnings to your SunTrust Cash Rewards Account. Any Cash Rewards earned prior to January 1, 2012 will expire 5 years from the date they were earned.
3 Expense management tools for small business are subject to additional terms and conditions.
4 Mastercard Easy Savings® Program Cardholder Terms & Conditions: Cardholder must be enrolled in the Mastercard Easy Savings® Program at the time of purchase. Payment must be made in full at a participating Merchant location with an eligible Mastercard, small business credit card or signature debit card issued by a U.S. bank. Purchases do not qualify for the program if the purchase transaction is a PIN-based transaction, originated outside of the U.S. or not processed through Mastercard’s U.S. transaction processing system. The rebate will appear on your statement after the purchase has posted to your card account, not on the receipt, and may not be reflected until the next statement. Other terms and conditions apply. For more information, visit easysavings.com Link opens a new window.
All credit cards are subject to credit approval. The SunTrust Business Credit Card is issued by SunTrust pursuant to a license from MasterCard. Once you become a Business Cardmember, we reserve the right to change your account terms should your credit profile change or for other reasons described in your Business Cardmember Agreement.
6 Cash Back 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 with a minimum of $5 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Back for (1) a statement credit, or (2) an ACH credit to the SunTrust Business deposit account that you designate. Cash Rewards earned on Business Card Accounts that are redeemed through an ACH deposit into a SunTrust Business checking, savings or money market account will receive a Cash Deposit Bonus of 10% or 25% on your Cash Rewards 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 Terms for details), as follows:
7 No Preset Spending:
All credit cards are subject to credit approval. The SunTrust Business Credit Card is issued by SunTrust pursuant to a license from MasterCard. Once you become a Business Cardmember, we reserve the right to change your account terms should your credit profile change or for other reasons described in your Business Cardmember Agreement. Once you become a Business Cardmember, we reserve the right to change your account terms should your credit profile change or for other reasons described in your Business Cardmember Agreement. Your Account has no pre-set spending limit. No pre-set spending limit does not mean unlimited spending. Your Account will be assigned a revolving Credit Limit. For Cash Advances, You may only spend up to Your assigned Cash Advance Credit Limit. For Purchases, You may be authorized to exceed Your assigned Credit Limit. Each transaction You make is authorized based on factors such as (1) Your Account history; (2) credit record; (3) absence or presence of suspected fraud; and (4) performance and delinquency patterns. If You attempt to make a Purchase transaction that exceeds Your Credit Limit, Your Account will be evaluated based upon the length of time Your Account has been open and Account usage, performance and delinquency patterns with SunTrust or with Your other creditors, and Your ability to pay. In certain circumstances, SunTrust may ask for additional financial records to authorize a transaction. If You are authorized to exceed Your Credit Limit, You will be required to pay, as part of Your Minimum Payment, the amount by which Your New Balance exceeds Your Credit Limit. SunTrust encourages You to provide us with notice of forthcoming unusual activity, such as, high transaction amounts, high velocity, or changes in geographic patterns.
*Benefit available only for Mastercard® World Clients.
8 Zero Liability:
Protects you from unauthorized purchases if your card is lost or stolen. The protection includes PIN-based transactions at the POS and ATM, and online or mobile transactions.
9 Certain terms, conditions, and exclusions apply:
Refer to your Mastercard Guide to Benefits for complete coverage terms and conditions or call 1-800-MasterCard (1-800-627-8372), for assistance.
©2018 Mastercard. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
SunTrust Bank, Member FDIC. ©2018 SunTrust Banks, Inc. and SunTrust Rewards are federally registered service marks of SunTrust Banks, Inc.
The latest generation of business banking and payments technologies offers forward-thinking businesses the unprecedented ability to collect payments in less time, with less effort and without a great deal of your attention.
Check tampering and billing fraud are the most frequent ways that employees embezzle from small businesses. A fraud prevention strategy using a six-step checklist will build a culture of accountability and reduce the risk of employee fraud.
Reaching your top existing customers on a personal level and inspiring them to refer their friends, family and co-workers to your business can give you a competitive advantage over your larger competitors.
Cost control may be the essential element that sustains growth for small businesses. Closely monitoring employee expenses such as purchasing, and travel and entertainment (T&E) is a natural place to look for cost savings and to control costs.
Fraud is a serious threat to the bottom line of small businesses. Implementing basic fraud protection measures along with establishing a culture of ethical behavior builds an environment that defers fraud.
24-hour automated assistance
Online Cash Manager, PC Banking and Bill Pay
TDD (Telephone Device for the Deaf)
Report Checking Account Fraud
800.447.8994 Option 1 - Option 3
Lost or Stolen Card
800.786.8787 Option 5
800.786.8787 Option 7 - Option 5
International Toll Free
Please note that Federal Regulation E outlines the rules and procedures for electronic funds transfers (EFTs) for consumers. The protections and deadlines included in Regulation E do not apply to business accounts. Regulation E only establishes rights, liabilities, and responsibilities for consumer transactions on consumer accounts.
Mail your questions, comments, or suggestions to (No deposits or payments accepted at this address):
P.O. Box 4418
Atlanta, GA 30302-4418
Bank by Mail
You may mail checking, savings, or money market deposits to (Be sure to include a deposit slip or your name and account number. Do not send currency via U.S. mail):
SunTrust Bank, Special Handling
P.O. Box 27572
Richmond, VA 23261-7572
Consumer Loan/Line Payment Addresses Access 3 payment address
P. O. Box 791274
Baltimore MD 21279-1274
All other lines of Credit Payments
P. O. Box 79282
Baltimore MD 21279-0282
Consumer Loan Payments
P.O. Box 791144
Baltimore, MD 21279-1144
For more details about Wire Transfers with SunTrust, call 800.947.3786
SunTrust Incoming wire instructions:
SunTrust Incoming wire instructions are also available by calling 800.947.3786 - option 1
Investment and Insurance Products:
Are Not FDIC or any other Government Agency Insured Are Not Bank Guaranteed May Lose Value
© 2018 SunTrust Banks, Inc
SunTrust Bank is an Equal Housing Lender. Member FDIC
Equal Housing Lender. SunTrust Mortgage, Inc
SunTrust, SunTrust Mortgage, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.
Services provided by the following affiliates of SunTrust Banks, Inc.: Banking products and services are provided by SunTrust Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company and SunTrust Banks Trust Company (Cayman) Limited. Securities, brokerage accounts and insurance (including annuities) are offered by SunTrust Investment Services, Inc., a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services, Inc., a SEC registered adviser. GFO Advisory Services, LLC is a SEC registered investment adviser that provides investment advisory services to a group of private investment funds and other non-investment advisory services to affiliates. Mortgage products and services are provided by SunTrust Mortgage, Inc.
SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, 1-800-634-7928. CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, IL 60601, 1-888-473-4858, MA: Mortgage Lender license #-ML-2915, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, NY: Licensed Mortgage Banker—NYS Department of Financial Services, and RI: Rhode Island Licensed Lender.
"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.
SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups and GenSpring are marketing names used by SunTrust Bank, SunTrust Banks Trust Company (Cayman) Limited, SunTrust Delaware Trust Company, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.
SunTrust Bank and its affiliates do not accept fiduciary responsibility for all banking and investment account types offered. Please consult with your SunTrust representative to determine whether SunTrust and its affiliates have agreed to accept fiduciary responsibility for your account(s) and if you have completed the documentation necessary to establish a fiduciary relationship with SunTrust Bank or an affiliate. Additional information regarding account types and important disclosures may be found at www.suntrust.com/investmentinfo.
SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.