Variable Annual Fees
The SkyMiles Debit Card features an annual fee – but what that yearly charge is depends on the balance you maintain with your SunTrust Advantage Checking account.
SunTrust offers three tiers to its Advantage checking: Advantage, Advantage Choice, and Advantage Preferred. These tiers are based on the minimum account balance, with Advantage requiring up to $25,000 in balances, Choice requiring between $25,001 and $100,000, and Preferred over $100,000 in total checking account balances.
These tiers also feature different annual fees, either $95, $75, or $25, respectively. Regardless of your account status, however, the annual fee for the SkyMiles Debit Mastercard is waived for the first year.
Other Card Features
Other features of the SunTrust Delta SkyMiles® Mastercard Debit Card include:
- World Mastercard Hotel Stay Guarantee: If your 3-star or higher-rated hotel is not working out, a Lifestyle Manager will work to make it right.
- Lowest Hotel Rate Guarantee: If you find the same exact hotel stay for less, Mastercard will refund the difference.
- Access to Mastercard Luxury Hotels & Resorts
- Access to Mastercard Airport Concierge™ (additional charges apply)
- Mastercard ID Theft Protection
- Zero Fraud Liability
Should You Apply for the SunTrust Delta SkyMiles® Debit Card?
There are plenty of credit cards that earn airline miles, but very few co-branded debit cards for travel enthusiasts. The SunTrust Delta SkyMiles® Debit Card is a unique product that provides great value for SunTrust (now Truist) customers who want to augment their SkyMiles credit cards, or simply wish to avoid credit cards but still want to earn miles on everyday purchases.
The card doesn’t earn impressive miles, but it earns enough to justify keeping in your wallet – especially if you meet the eligibility requirements for SunTrust Advantage Choice or Advantage Preferred. Regardless of the account status, however, the card can help you earn SkyMiles on regular charges that credit cards can’t cover – things like rent, mortgages, or other similar payments.
Ultimately, the Delta SkyMiles® Debit Card from SunTrust is an intriguing – but niche – product that will appeal to some, but not all. For those customers, however, it offers impressive value – especially with its simple sign-up bonus.