Am I eligible?
To get this card, you must also:
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...
- Ben Luthi, Matthew Klammer, The BalanceIt is best suited for people who have good or excellent credit and significant banking and investment balances with SunTrust Bank. The card’s regular rewards rates don’t stack up well against top cash-back credit cards, but the loyalty bonuses it offers make the card competitive for SunTrust custome...
- Kelly Dilworth, CreditCards.comWith 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.
- Jeff Gitlen, LendEDUBecause 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...
- CardcruncherThe 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...
- Brian Martucci, Money CrashersIdeal 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...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
11.24% ‐ 21.24% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
11.24% ‐ 21.24% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
24.99% (Variable) 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 |
$39.00 Maximum |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | 1% cash back |
| Restaurants | No |
| Gas |
5% cash back (on first $6000 spent)
|
| Groceries |
5% cash back (on first $6000 spent)
|
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
|
| 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 |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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