SunTrust Cash Rewards Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
13.49% ‐ 23.49% (0% for the first 15 months)
Balance Transfer
13.49% ‐ 23.49% (0% for the first 15 months)
Rewards
1 - 5% cashback
Signup Bonus
-


7.7/10
Informr score
The SunTrust Cash Rewards Credit Card currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 5 sources including reviews from users and the web's most trusted critics.

Am I eligible?


SunTrust Cash Rewards Credit Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


LendEDU

Because of the eligibility restrictions and narrow qualifications for loyalty bonuses, the SunTrust Cash Rewards credit card is somewhat of a niche offering. To fully maximize the card perks, you should be a SunTrust customer and preferably hold a relatively high balance in your SunTrust accounts. Y...

- Jeff Gitlen, LendEDU
Cardcruncher

The SunTrust Cash Rewards Card rewards people who buy gas and groceries on a regular basis through its generous first-year cash back. For the first 12 months you have the card, you'll earn 5% cash back on up to $6,000 in gas and grocery purchases. After you hit the $6,000 limit or the first year end...

- Cardcruncher
CreditCards.com

With a low APR and generous rewards for SunTrust bank account holders, the SunTrust Cash Back credit card is a good choice for well-heeled SunTrust customers; however, cardholders with low checking account balances won’t get nearly as much benefit.

- Kelly Dilworth, CreditCards.com
Money Crashers

Ideal for moderate gas and grocery spenders who can maximize the value of the 5% sign-up bonus period and subsequently use the card to cover the gas and grocery portions of their budgets. It’s also a useful temporary solution for people who want to take advantage of the sign-up bonus period and the...

- Brian Martucci, Money Crashers
Doctor Of Credit

I don’t think it makes a lot of sense for most people unless you’re already running into spending caps on your other grocery cards, in which case this doesn’t exactly give you that much more volume to run anyway.

- William Charles, Doctor Of Credit

Details


Interest Rates
Regular APR Interest Rate 13.49% ‐ 23.49% (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 13.49% ‐ 23.49% (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.24%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $10

Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1% cash back
Restaurants No
Gas 5% cash back (on first $6000 spent)
  • On combined  purchases with groceries in the first 12 months.
  • 2% cash back after introductory bonus cash back
Groceries 5% cash back (on first $6000 spent)
  • On combined  purchases with gas in the first 12 months.
  • 2% cash back after introductory bonus cash back
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • Get a cash back bonus of 10%, 25% or more based on your deposit relationship with SunTrust, when you redeem your cash back directly into a SunTrust Checking, Savings or Money Market account.
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Additional Benefits
  • Baggage Delay Insurance
  • Trip Cancellation/Interruption Insurance
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Critic Reviews


LendEDU

Stands out for its bonus rewards and reasonable APR

from LendEDU

Because of the eligibility restrictions and narrow qualifications for loyalty bonuses, the SunTrust Cash Rewards credit card is somewhat of a niche offering. To fully maximize the card perks, you should be a SunTrust customer and preferably hold a relatively high balance in your SunTrust accounts...More

Because of the eligibility restrictions and narrow qualifications for loyalty bonuses, the SunTrust Cash Rewards credit card is somewhat of a niche offering. To fully maximize the card perks, you should be a SunTrust customer and preferably hold a relatively high balance in your SunTrust accounts. You should also be a big spender in the gas and grocery store categories. If you don’t meet these criteria, there may be better cards for you, like the Discover it.

Read full review

Less

Cardcruncher

Offers great rewards during the first year, but falls short in long-term value

The SunTrust Cash Rewards Card rewards people who buy gas and groceries on a regular basis through its generous first-year cash back. For the first 12 months you have the card, you'll earn 5% cash back on up to $6,000 in gas and grocery purchases. After you hit the $6,000 limit or the first year...More

The SunTrust Cash Rewards Card rewards people who buy gas and groceries on a regular basis through its generous first-year cash back. For the first 12 months you have the card, you'll earn 5% cash back on up to $6,000 in gas and grocery purchases. After you hit the $6,000 limit or the first year ends, you'll earn 2% cash back on all gas and grocery purchases. You'll also earn 1% cash back on all other purchases

Read full review

Less

CreditCards.com

Decent rewards for modest spenders

from CreditCards.com

With a low APR and generous rewards for SunTrust bank account holders, the SunTrust Cash Back credit card is a good choice for well-heeled SunTrust customers; however, cardholders with low checking account balances won’t get nearly as much benefit.

Read full review

With a low APR and generous rewards for SunTrust bank account holders, the SunTrust Cash Back credit card is a good choice for well-heeled SunTrust customers; however, cardholders with low checking account balances won’t get nearly as much benefit.

Read full review

Less

Money Crashers

Attractive cash back bonuses

from Money Crashers

Ideal for moderate gas and grocery spenders who can maximize the value of the 5% sign-up bonus period and subsequently use the card to cover the gas and grocery portions of their budgets. It’s also a useful temporary solution for people who want to take advantage of the sign-up bonus period and the 0% APR promotional period.

Read full review

Ideal for moderate gas and grocery spenders who can maximize the value of the 5% sign-up bonus period and subsequently use the card to cover the gas and grocery portions of their budgets. It’s also a useful temporary solution for people who want to take advantage of the sign-up bonus period and the 0% APR promotional period.

Read full review

Less

Doctor Of Credit

The spending limits suck

from Doctor Of Credit

I don’t think it makes a lot of sense for most people unless you’re already running into spending caps on your other grocery cards, in which case this doesn’t exactly give you that much more volume to run anyway.

Read full review

I don’t think it makes a lot of sense for most people unless you’re already running into spending caps on your other grocery cards, in which case this doesn’t exactly give you that much more volume to run anyway.

Read full review

Less

User Reviews


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