What credit score do you have to have?
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SunTrust Cash Rewards Credit Card
SunTrust Cash Rewards Credit Card
We're sorry, but the SunTrust Cash Rewards Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-342-3736
You can review SunTrust Cash Rewards Credit Card's rates and fees according to our latest records, which may be outdated. Alternatively, you can compare the latest credit card offers.
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases in the first 12 months. 2% Unlimited Cash Back on qualifying gas and grocery purchases after your introductory bonus cash back.
1% Cash Back on all other qualifying purchases.
Receive a 10% Loyalty Cash Bonus when you redeem Cash Rewards through an ACH deposit into any SunTrust checking, savings or money market account.
Enjoy flexible redemption options, including cash back, e-gift cards, travel and more.
APR on Purchases
0% intro APR for 15 months, 11.24% - 21.24% (V) APR after that
Balance Transfer
0% intro APR for 15 months, 11.24% - 21.24% (V) APR after that
Balance Transfer Fee
WalletHub Review
SunTrust Cash Rewards Credit Card Pros & Cons
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
High rewards rate
Spending caps on rewards
No initial rewards bonus
Balance transfer fee
Requires good/excellent credit
SunTrust Cash Rewards Credit Card's Additional Info
| cash advance fee | 4% (min $10) |
| cash advance APR | 24.99% (V) |
| foreign transaction fee | 0% |
| smart chip | Yes, chip-and-PIN |
| max late fee | $39 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Purchase assurance - Provides coverage for damaged or stolen items within 90 days of the purchase date.
Travel Benefits - MasterAssist Travel Assistance, Travel Accident Insurance, Baggage Delay reimbursement, Trip Cancellation and MasterRental/CDW.
Mastercard Global Services - Customer assistance for reporting a lost or stolen card, emergency card replacement, emergency cash advance and ATM locating.
Cell phone protection up to $600 per claim or $1,000 per year; limit of 2 claims per year.
Complimentary ShopRunner membership, free 2-day shipping and free return shipping at over 140 online stores.
Questions & Answers
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What stores count as grocery stores for the SunTrust Cash Rewards credit card?
1
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Ashley Wade
Each company that has an account with the credit card network has to classify themselves as a particular type of business. Grocery stores and supermarkets are category number 5411 so the SunTrust Cash Rewards will see each transaction with code 5411 as eligible for bonus rewards.
How do I prepare my credit card for international travel?
1
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What are the minimum SunTrust Cash Rewards credit score requirements?
0
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Joseph Bulebush
The minimum SunTrust Cash Rewards requirements are: an excellent credit score of at least 750, not too much debt and not too many recent hard inquiries on your credit report. You'll also need to be at least 18 years old and have a Social Security number.
Are you able to pull money off the card or is it for purchase only up to what limit?
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Compare The SunTrust Cash Rewards Credit Card
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 15 months
Transfer Intro APR0% for 15 months|Transfer Fee: 3% (min $10)
Transfer Intro APR0% for 15 months|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)*
Transfer Intro APR0% for 15 months|Transfer Fee: 3%
Regular APR11.24% - 21.24% (V)
Regular APR16.24% - 27.24% Variable
Regular APR19.24% - 29.24% (V)
Rewards Rate1 - 5% Cash Back
Rewards Rate1 - 5% Cash Back
Rewards Rate1.5 - 5% Cash Back
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SunTrust Cash Rewards Credit Card Reviews
Share your insights and review the SunTrust Cash Rewards Credit Card
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93 reviews
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4 Star Rating
This credit card is a good one. It has a reward system and no annual fees. The rewards are pretty good because your getting cash back on money you would be spending anyways. Two percent is a good rate for a cash back offer, plus the extra ten percent bonus makes it that much better. I never reached the 6,000 dollar cap to drop the rewards to one percent. The only real reason to get a credit card is for the rewards or emergencies. So, for me this one ranks pretty good. I would suggest this card to anyone who can get it. Just remember to pay the balance every month.
Comment
This is a super card, I agree. I bank with Suntrust and also had a regular Visa card with them. I upgraded to this card and couldn't be happier. Suntrust is easy to reach if there is a problem and always seem to side with the customer. Great card!
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Offer last updated: Jan 9th, 2023 at 10:26 ET
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PURCHASE INTRO APR
0% for 15 months
TRANSFER INTRO APR
0% for 15 months 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* Transfer Fee
REGULAR APR
16.24% - 27.24% Variable
ANNUAL FEE
$0
REWARDS RATE
1 - 5% Cash Back
BONUS OFFER
None
MINIMUM CREDIT