SunTrust Cash Rewards Credit Card

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Last updated on March 26th, 2021

SunTrust Cash Rewards Credit Card

Up to 5% Cash Back

SunTrust Cash Rewards Credit Card
  • Regular Purchase APR 11.24% to 21.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 11.24% to 21.24% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for 15 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • 5% cash back on up to $6,000 spent on gas and grocery purchases in the first twelve months of account opening
  • Unlimited 2% cash back on gas and grocery purchases after introductory bonus cash back period ends
  • Unlimited 1% cash back on all other qualifying purchases, no annual fee
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 11.24% to 21.24% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 11.24% to 21.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
Credit Card Deals
  • Take a hike with an award-winning landscape photographer – Offer Expires on December 31, 2021 – See Details
  • Immerse yourself in the world of Italian food and wine – Offer Expires on January 24, 2031 – See Details
  • Exclusive tableware and home d?cor items from porcelain – Offer Expires on December 31, 2021 – See Details
  • Go on a guided truffle-hunting expedition in the Motovun Forest – Offer Expires on December 31, 2021 – See Details
  • Embark on a journey through the city of the Iron Throne – Offer Expires on December 31, 2021 – See Details
  • Discover Agra beyond the Taj Mahal on a virtual tour – Offer Expires on December 31, 2021 – See Details
  • Play the Hidden Network of Private Courses – Offer Expires on December 31, 2022 – See Details
  • Marvel at a celebrity stylist’s star-studded fashion collection – Offer Expires on June 01, 2021 – See Details
  • Embark on a virtual trip to the Banaras’ ghats, Sarnath, and more – Offer Expires on December 31, 2021 – See Details
  • Get a glimpse into India’s history through the Gujarati thali – Offer Expires on December 31, 2021 – See Details
  • View All Deals

Please Note: This review is in the process of being updated by the BestCards team

At a Glance 

For those in the market for a straightforward cash back rewards card, the SunTrust Cash Rewards Credit Card may be a good fit since you can earn up to 5% cash back on gas and grocery qualifying purchases made in the first 12 months. A generous introductory APR offer of 0% for fifteen months after account opening, and no annual fees, will sweeten the deal.

Ideal for Those Who:

  • Want to earn up to 5% cash back rewards from gas and grocery purchases
  • Would like the benefits of being a Mastercard cardholder
  • Will take advantage of a lengthy introductory APR period of 0% for 15 months
  • Want a card with no foreign transaction fees and no annual fee

SunTrust Cash Rewards Credit Card Review

The SunTrust Cash Rewards Credit Card comes with a generous introductory APR; enjoy 0% APR on purchases and balance transfers for the first fifteen months your account is open with SunTrust, as well as the opportunity to earn 5% cash back on purchases made on gas and groceries for up to $6,000 spent within the first twelve months.

Once the introductory period has finished, your regular earning rate will be an unlimited 2% back on all qualifying gas and grocery purchases and 1% unlimited cash back on all other purchases. Additionally, there is no annual fee for the SunTrust Cash Rewards Credit Card and there are no foreign transaction fees, so you can maximize your savings even as you earn cash back rewards. Best of all, you’ll have the flexibility to redeem your cash back rewards in multiple ways – pick from e-gift cards, travel rewards, or cash back as a statement credit.

It’s worth noting that when you use your SunTrust Cash Rewards Credit Card in conjunction with a SunTrust Checking, Savings or Money Market account, you’ll be able to earn some great bonuses that are not available to cardholders who don’t do additional banking with SunTrust. When you redeem your cash back directly into a SunTrust account, you can cash in on a Loyalty Cash Bonus of either 10%, 25% or 50% based on your deposit relationship with SunTrust. It, therefore, pays to couple your Cash Rewards Credit Card with a SunTrust banking account.

Other perks from SunTrust include free access to your FICO® score – available through SunTrust’s online banking – as well as the benefits that come from being a World Mastercard® cardholder. This includes the MasterRental rental car program, Purchase Assurance, Mastercard ID Theft Protection™ and other assurances against fraud like Zero Liability and even insurance against baggage delays, travel accidents, and trip cancellations.

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