1 Expense Management Tools for small business are subject to additional terms and conditions.
2 Certain restrictions, limitations and exclusions apply. Zero Liability protection does not apply to ATM transactions or certain commercial card transactions. You must notify us promptly of any unauthorized use.
3 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.
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.
5 You can earn Cash Back credit of up to 1% on Qualifying Purchases on your SunTrust Business Credit Card Account, if your Card Account is in Good Standing. There is no restriction on the amount of Cash Back credit that you may earn, subject to the program’s complete terms and conditions. Additionally, each Qualifying Purchase will earn a 3% Cash Back credit, of which 1% is the base rate and 2% is a bonus, on the first $500 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. 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. Wholesale clubs and discount stores (MCC codes 5300, 5310) will earn 0.25%. Cash Rewards credits will expire after 5 years. 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, SunTrust will redeem your Cash Rewards in U.S. dollars with a minimum of $25 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 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 back 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 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 with a SunTrust Business 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.
6 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.
7 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 Limit. We may restrict the amount of your Revolving Credit Limit that is available for Balance Transfers. For Cash Advances, you may only spend up to your assigned Cash Advance Revolving Credit Limit. For Purchases, you may be authorized to exceed your assigned Revolving 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 Revolving 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 us or with your other creditors, and your ability to repay. In certain circumstances, we may ask for additional financial records to authorize a transaction. If you are authorized to exceed your Revolving Credit Limit, you will be required to pay, as part of your Minimum Payment, the amount by which your New Balance exceeds your Revolving Credit Limit. We encourage you to provide us with notice of forthcoming unusual activity, such as, high transaction amounts, high velocity, or changes in geographic patterns. If your Account is a joint Account, each of you may request Revolving Credit Limit increases. We may raise or lower your Revolving Credit Limit at our discretion. References in this statement to your "Credit Line" or "Credit Limit" mean your "Revolving Credit Limit".
MasterCard and the MasterCard brand mark are trademarks of MasterCard International Incorporated.
SunTrust Bank, Member FDIC. ©2015 SunTrust Banks, Inc. SunTrust Rewards, SunPoints and Enterprise Spend Platform are federally registered service marks of SunTrust Banks, Inc.