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Hold the power of no pre-set spending limit4 and cash back rewards in your hand1.

With a new SunTrust World for Business Credit Card with Cash Rewards1, you'll earn:

SunTrust Platinum For Business MasterCard

    5% cash back
    on the first $2,000 spent monthly on office supply and fuel qualifying purchases in the first 12 months. Then, earn 3% cash back on the first $2,000 spent monthly on office supply and fuel qualifying purchases1.

    1% cash back
    on other qualifying purchases1.

    0% APR Introductory Rate
    on purchases for the first 12 months. After that your variable APR (Annual Percentage Rate) will be 10.99% - 16.99%3.

    No Annual Fee

    Terms and Conditions

To apply, call 866.442.1369 or visit a branch to talk with a representative about a SunTrust World for Business Credit Card.

Plus, this card features:

SunTrust Cash Deposit Bonus

Cash in even 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 account2. Find your Business Checking >

No Pre-set Spending Limits

No pre-set spending limit4 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.

Expense Management Tools

SunTrust Business Card Online is designed to help you streamline your business expense management5. 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.

Security & Purchase Protection

Know your purchases, personal information and more are protected. Whether you’re traveling for business, or taking care of day-to-day tasks, we’ve got you covered.

  • Chip Technology allows greater card acceptance when traveling internationally, plus extra levels of security against card fraud.
  • Zero Liability protects you from unauthorized purchases if your card is lost or stolen.6
  • Extended Warranty doubles most manufacturer warranties for up to one additional year.7
  • Purchase Assurance offers 90 days of theft and damage protection for most purchases.7
  • Travel Accident Insurance gives you up to $250,000 of Accidental Death and Dismemberment coverage when you purchase business travel with your card.
  • MasterAssist® provides emergency travel, cash, legal and medical assistance while traveling.7
  • Master RoadAssist® covers physical damage to a rental car on secondary basis for which cardholder is responsible to Rental Agency7.
  • ID Theft Resolution supplies access to services including credit bureau notification, an ID Theft affidavit, card replacement and an ID Theft Resolution kit7.

Plus, you can avoid overdrafts by linking your card to a SunTrust business packaged checking accounts, Analyzed Checking Accounts are excluded.8 Learn More on Business Checking >

Complimentary Employee Cards

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 World for Business Credit Card account at no additional cost to you.

No-cost Rewards

Cash Back Rewards at no additional cost to you. You can choose not to participate in the SunTrust Cash Back Rewards programs.

SunTrust Cash Back Rewards1
There’s no minimum spend or maximum payout restrictions, and rewards earned can be viewed on your statement each month. Once your rewards balance reaches $5 or more, you can call 1.855.574.2423 to redeem them electronically into a SunTrust deposit account or as statement credit.

Other Card Perks

Take advantage of Concierge Services - an array of 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.7 Call 877.884.3516 for details and to get started.

Get automatic rebates with the Mastercard Easy Savings Program9 -
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 even more savings and automatic rebates, you can enroll in the "Gold" level of the Mastercard Easy Savings® Program9. Visit to learn more.

Take advantage of all this and more. Apply for the SunTrust Specialty Business Credit Card today at a local branch or speak to a representative at 1.866.442.1369.


1 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 5543] 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%. All other qualifying purchases will earn 1%. 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. 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 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 redemption, depending on your deposit relationship with SunTrust as of the last day of the month preceding redemption, or in some instances, the last day of two months’ prior to redemption (See Program Terms for details), as follows:

  • Clients with SunTrust Business Advantage Plus Demand Deposit Accounts (DDA) will receive a Cash Deposit 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 with a SunTrust Business checking, savings or money market account will receive a Cash Deposit Bonus of 10%. On $100 in base Cash Rewards, these clients would earn an additional $10, totaling $110 in Cash Rewards earnings.

3 Rates/Approval
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.

4 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. 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 Limitrevolving 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.

5 Expense management tools for small business are subject to additional terms and conditions.

6 Certain restrictions, limitations and exclusions apply.

7 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.

8 Overdraft Protection
Overdraft Protection is an option available with business packaged checking accounts (Analyzed Checking Accounts are excluded) when linked to a business credit card. Cash Advance and Transfer fees may apply.

9 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

©2017 Mastercard. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

SunTrust Bank, Member FDIC. ©2017 SunTrust Banks, Inc. and SunTrust Rewards are federally registered service marks of SunTrust Banks, Inc.

Small Business Resource Center

  • Business Customer Service

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  • 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.

  • Write Us
    Mail your questions, comments, or suggestions to (No deposits or payments accepted at this address):
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    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):
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    Richmond, VA 23261-7572

    Consumer Loan/Line Payment Addresses Access 3 payment address
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    Baltimore MD 21279-1274

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    SunTrust Bank
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  • 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
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    SunTrust Incoming wire instructions are also available by calling 800.947.3786 - option 1