SunTrust Prime Rewards Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
12.99% ‐ 22.99% (Variable)
Balance Transfer
12.99% ‐ 22.99% (Variable) (5% for the first 36 months)
Rewards
1% cashback
Signup Bonus
$100 after spending $500


8.2/10
Informr score
The SunTrust Prime Rewards Credit Card currently has an Informr score of 8.2 out of 10. This score is based on our evaluation of 3 sources including reviews from users and the web's most trusted critics.

Am I eligible?


SunTrust Prime 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...


The Wirecutter

Thanks to the low 5.25% intro APR, this option will save you the most if you know it’ll take you three full years to pay off your debt. But you’ll pay much more in interest on this card than on the Ring if you pay off your debt in less than three years. You can also lose the low intro rate if you mi...

- Taylor Tepper, The Wirecutter
Money Crashers

A solid balance transfer option for new cardholders seeking to pay down high-interest credit card balances without incurring balance transfer fees. For new cardholders who can afford to spend $500 within 3 months, it’s also an easy way to snag some extra cash.

- Brian Martucci, Money Crashers
Bank Deal Guy

If you planning on doing any balance transfers soon, then check out the SunTrust Prime Rewards Credit Card. This card offers 3 years at an intro APR on balance transfers made in the first 60 days and no fees on balance transfers made in the first 60 days.

- Michelle Chuang, Bank Deal Guy

Details


Interest Rates
Regular APR Interest Rate 12.99% ‐ 22.99% (Variable)

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

Balance Transfer Interest Rate 12.99% ‐ 22.99% (Variable) (5% for the first 36 months)
  • Intro rate applies on balances transferred within the first 60 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 26.74% (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
  • None for all balances transferred within 60 days of account opening
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 $100 after spending $500

On purchases within the first 3 months.

Rewards
All Purchases 1% cash back
Restaurants No
Gas No
Groceries No
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
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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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


The Wirecutter

Ultralow APR for first three years

from The Wirecutter

Thanks to the low 5.25% intro APR, this option will save you the most if you know it’ll take you three full years to pay off your debt. But you’ll pay much more in interest on this card than on the Ring if you pay off your debt in less than three years. You can also lose the low intro rate if you miss a payment.

Read full review

Thanks to the low 5.25% intro APR, this option will save you the most if you know it’ll take you three full years to pay off your debt. But you’ll pay much more in interest on this card than on the Ring if you pay off your debt in less than three years. You can also lose the low intro rate if you miss a payment.

Read full review

Less

Money Crashers

Not really a great everyday spending card

from Money Crashers

A solid balance transfer option for new cardholders seeking to pay down high-interest credit card balances without incurring balance transfer fees. For new cardholders who can afford to spend $500 within 3 months, it’s also an easy way to snag some extra cash.

Read full review

A solid balance transfer option for new cardholders seeking to pay down high-interest credit card balances without incurring balance transfer fees. For new cardholders who can afford to spend $500 within 3 months, it’s also an easy way to snag some extra cash.

Read full review

Less

Bank Deal Guy

Offers $100 Cash Rewards Bonus

from Bank Deal Guy

If you planning on doing any balance transfers soon, then check out the SunTrust Prime Rewards Credit Card. This card offers 3 years at an intro APR on balance transfers made in the first 60 days and no fees on balance transfers made in the first 60 days.

Read full review

If you planning on doing any balance transfers soon, then check out the SunTrust Prime Rewards Credit Card. This card offers 3 years at an intro APR on balance transfers made in the first 60 days and no fees on balance transfers made in the first 60 days.

Read full review

Less

User Reviews


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