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Manage the unique needs of your business, and be rewarded for it.

As a not-for-profit organization, a trust manager, a government agency or a local municipality, your financial management needs and expenses are different than other businesses. With helpful expense management tools1 and no annual fee, the SunTrust Specialty Business Credit Card is specifically designed to help specialty groups with annual gross revenues of up to $5 million improve cash flow and take care of everyday payment needs. Plus, you’ll have the opportunity to save by earning cash back2 or points3 on purchases.

A SunTrust Specialty Business Credit Card comes with:

0% Introductory APR

Enjoy 0% APR for 12 months on Purchases.
After that your variable APR (Annual Percentage Rate) will be 13.49%

Expense Management Tools

Pay bills, track expenses and more!
The online tools that come with a SunTrust Business Credit Card are designed to help you streamline business expense management1. 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.5
  • Extended Warranty doubles most manufacturer warranties for up to one additional year.6
  • Purchase Assurance offers 90 days of theft and damage protection for most purchases.6
  • MasterAssist® provides emergency travel, cash, legal and medical assistance while traveling.6

Plus, you can avoid overdrafts by linking your card to a SunTrust Business Checking deposit account.7

Learn More >

Complimentary Employee Cards

Extend your Business Credit Card spending-power to your employees.
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 Specialty Business Credit Card account at no additional cost to you.

No-cost Rewards Options

Choose from two great rewards options—both at no additional cost to you.

If You Choose SunTrust Cash Back Rewards2
You’ll earn 3% cash back on the first $500 spent on qualifying office supplies and fuel purchases, and up to 1% on most everything else you buy. Wholesale clubs and discount store purchases will earn 0.25%. There's no minimum spend or maximum payout restrictions, subject to the $25 minimum cash back redemption amount. Quickly and easily redeem online at for cash back or choose to redeem for travel, office supplies, eGift cards, merchandise and more. If you choose electronic redemption into a SunTrust Business Checking, Savings or Money Market, you’ll get a 10% or 25% cash back bonus, based on your Business deposit relationship with SunTrust.

If You Choose SunTrust Rewards3
You'll earn one Point Reward per $1 spent on qualifying purchases with your Business Credit Card. The points you earn can be redeemed for rewards like cash back, travel, office supplies, eGift cards, merchandise and more. Visit for details.

You can also choose not to participate in either of the SunTrust Rewards programs.

Other Card Perks

Get automatic rebates for everyday business purchases.
You’ll automatically enjoy extra savings as a SunTrust MasterCard Business Credit Cardholder through the MasterCard Easy Savings® Program.8 There are no coupons, no promo codes and no registration fees, just automatic 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.

Call 800.442.1369 to talk with a representative about a SunTrust Specialty Business Credit Card.


1 Expense Management Tools for small business are subject to additional terms and conditions.

2 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 $25 minimum redemption amount. 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 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. 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 Rewards for cash back through (1) a statement credit to your Card Account 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 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:

  • 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 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.

4 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.

5 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.

6 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.

7 Overdraft Protection is an option available for Select Business Checking, Total Business Banking, Primary Business Checking and Business Interest Checking accounts when linked to a Business Credit Card. Cash Advance and Transfer fees may apply.

8 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

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.

Small Business Resource Center

  • Business Customer Service

    24-hour automated assistance
    800.786.8787 (800.SUNTRUST)

    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

    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
    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
    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