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Get more cash back from your business credit card.

With any new SunTrust Business Credit Card with Cash Rewards, applied for on or after March 1, 2016, you’ll earn 5% cash back on the first $2,000 spent monthly on office supply and fuel qualifying purchases in the first 12 months. Then you’ll continue to earn 3% on the first $2,000 monthly on office supply and fuel qualifying purchases, and 1% on other qualifying purchases1.

Plus, get a cash back 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.

To apply, call 1.800.442.1369 or visit a branch to speak to a SunTrust representative to determine which card is right for your business.

Select the checkboxes below to compare account types.

Which card is right for your business?  

Shop, Travel, Cash | SunTrust

Flexible Choices and Hundreds of Redemption Options.

Rack up rewards and redeem them online at suntrust.com/rewards. Plus, browse exciting rewards options like cash back, travel, eGift cards, merchandise and more, and manage your rewards account there, too.

Browse Rewards

LEGAL/DISCLAIMERS

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 $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 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 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.

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 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 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

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.

MasterCard and the MasterCard brand mark are trademarks of MasterCard International Incorporated.

SunTrust Bank, Member FDIC. ©2016 SunTrust Banks, Inc. and SunTrust Rewards are federally registered service marks of SunTrust Banks, Inc.

Small Business Resource Center

  • Business Customer Service
    800.752.2515

    24-hour automated assistance
    800.786.8787 (800.SUNTRUST)

    Online Cash Manager, PC Banking and Bill Pay
    800.382.3232

    TDD (Telephone Device for the Deaf)
    800.854.8965

    Report Checking Account Fraud
    800.447.8994 Option 1 –Option 3

    Lost or Stolen Card
    800.786.8787 Option 5

    Directory Assistance
    800.786.8787 Option 7 –Option 5

    International Toll Free
    800.ST.TRAVEL (800.7887.2835)

  • 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):
    SunTrust Bank
    GA-Atlanta-0795
    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
    VA-RIC-9292
    P.O. Box 27572
    Richmond, VA 23261-7572

    Consumer Loan/Line Payment Addresses Access 3 payment address
    SunTrust Bank
    P. O. Box 791274
    Baltimore MD 21279-1274

    All other lines of Credit Payments
    SunTrust Bank
    P. O. Box 79282
    Baltimore MD 21279-0282

    Consumer Loan Payments
    SunTrust Bank
    P.O. Box 791144
    Baltimore, MD 21279-1144

  • 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