SunTrust Bank Credit Cards Reviews

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Best Benefits

No annual fee for the first year
Earn 1 miles for every $2 spent on eligible purchases
Miles never expire

Rates & Fees

Annual Fee: $0 for the first year, up to $95 after that
Minimum Deposit Required: $100

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SunTrust Mastercard Non Profit Business Credit Card

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Regular Purchase APR 15.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 15.24% variable based on creditworthiness and the Prime Rate
Cash Advance APR 23.24% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 12 months from account opening date
Processing Network Mastercard

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Terms & Conditions

Date Reviewed: November 26, 2021

Best Benefits

0% APR introductory rate on purchases for the first 12 months account is open
No annual fee
Zero Liability protection from fraudulent purchases
Complimentary employee cards and free online expense management tools

Rates & Fees

Intro Purchase APR: 0% for 12 months from account opening date
Regular Purchase APR: 15.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 15.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 23.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
Penalty APR: 25.24% variable based on the Prime Rate
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $49
Return Payment Penalty Fee: $32
Over Limit Penalty Fee: $35

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SunTrust Business Credit Card

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Regular Purchase APR 12.24% to 19.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 12.24% to 19.24% variable based on creditworthiness and the Prime Rate
Cash Advance APR 23.24% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 12 months from account opening date
Processing Network Mastercard

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Terms & Conditions

Date Reviewed: November 26, 2021

Best Benefits

0% APR introductory rate on purchases for the first 12 months account is open
5% cash back on office supply and fuel purchases on the first $2,000 spent monthly within the first 12 months
3% cash back thereafter on the first $2,000 spent monthly on office supply and fuel qualifying purchases
No annual fee

Rates & Fees

Intro Purchase APR: 0% for 12 months from account opening date
Regular Purchase APR: 12.24% to 19.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 12.24% to 19.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 23.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
Penalty APR: 25.24% variable based on the Prime Rate
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $49
Return Payment Penalty Fee: $32
Over Limit Penalty Fee: $35

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Best Benefits

Earn 2% cash back on up to $6,000 spent annually on gas and groceries
Earn 1% unlimited cash back on all other qualifying purchases
Earn interest on your security deposit while you build your credit
Get set up with SunTrust Loyalty Cash Bonuses

Rates & Fees

Regular Purchase APR: 19.99% variable based on the Prime Rate
Balance Transfer APR: 19.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 4% 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
Annual Fee: $32
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39
Minimum Deposit Required: $300

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Best Benefits

3-year introductory APR offer at the Prime Rate on all balance transfers made within the first 60 days of account opening
Intro balance transfer fee of $0 when you transfer a balance during the first 60 days your account is open
1% unlimited cash back, no annual fee, and no foreign transaction fees
No annual fee

Rates & Fees

Regular Purchase APR: 11.24% to 21.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: Prime Rate for the first 36 months for all balances transferred within 60 days of account opening
Balance Transfer APR: 11.24% to 21.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: None for all balances transferred within 60 days of account opening, then $10 or 3% of the amount of the 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 advance, whichever is greater
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

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SunTrust Travel Rewards Credit Card

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Regular Purchase APR 11.24% to 21.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 11.24% to 21.24% variable based on creditworthiness and the Prime Rate
Cash Advance APR 24.99% variable based on the Prime Rate
Annual Fee $0 for the first year; $89 after that
Credit Needed Excellent , Good
Processing Network Mastercard

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Terms & Conditions

Date Reviewed: November 26, 2021

Best Benefits

$250 statement credit when you spend $3,000 in the first three months of account opening
3% unlimited cash back on travel qualifying purchases
2% unlimited cash back on dining and 1% unlimited cash back on all other purchases
No foreign transaction fees

Rates & Fees

Regular Purchase APR: 11.24% to 21.24% variable based on creditworthiness and the 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 the 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
Annual Fee: $0 for the first year; $89 after that
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

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SunTrust Cash Rewards Credit Card

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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

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: November 26, 2021

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

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About SunTrust

SunTrust is an American bank with its headquarters in Atlanta, Georgia. The bank traces its roots back to 1891 and the Commercial Travelers’ Savings Bank of Atlanta. In 1973, Trust Company of Georgia (which was the then name of Commercial Travelers’ Savings Bank of Atlanta) merged with First National Bank of Orlando to become SunBanks.

In 1995, after a series of mergers with banks in Florida, the name SunTrust was introduced. By the 2010s, SunTrust had over $200 billion in assets and over 1,200 branches.

Truist

In February of 2019, BB&T announced plans to acquire SunTrust Bank to create the sixth-largest bank in the United States in terms of assets. The newly merged bank would be known as Truist, with the merger confirmed in December of 2019.

While the Truist name is in use for the combined company, both SunTrust and BB&T still issue credit cards and other products through their original names.

Branch Locations

SunTrust currently operates approximately 1,400 branches throughout ten U.S. states and the District of Columbia:

Alabama
Arkansas
Florida
Georgia
Maryland
Mississippi

North Carolina
South Carolina
Tennessee
Virginia
Washington, D.C.

SunTrust also used to have branches in West Virginia, but these were closed in 2018. The bank also has over 2,100 ATM locations, in addition to those of BB&T. For a complete listing of SunTrust Bank branches, as well as ATM locations for SunTrust and BB&T, please visit the bank’s location page.

SunTrust Credit Cards

All SunTrust Bank credit cards are Mastercard products. While Mastercard is the second-largest payment network (behind Visa), Mastercard is accepted in more countries than Visa (212 countries vs. 200).

All Mastercard credit cards feature the following protections and security features:

Zero Fraud Liability: Cardholders pay nothing if their card is subject to unauthorized use or theft.
Mastercard Global Service: Emergency assistance nearly anywhere in the world, 24/7. Services include lost card reporting and replacement, emergency cash disbursement, and more.
ID Theft Protection: Complimentary credit report monitoring that alerts cardholders to any changes or fraud concerns.

FAQs About SunTrust Bank

Here are answers to common questions about SunTrust:

What credit bureau does SunTrust use?

According to reports, SunTrust sues either TransUnion, Equifax, or both, for checking an applicant’s credit history.

What credit score do I need to get a SunTrust credit card?

Most SunTrust credit cards require a good credit score. The bank’s secured credit card, however, doesn’t require any credit history – just an associated checking account with the bank.

What is the routing number for SunTrust?

The routing number for SunTrust Bank is 061000104.

Who owns SunTrust?

BB&T merged with SunTrust in 2019 to form Truist Financial Services.

Find the Best Card for You

The team at BestCards.com knows how hard it is to find your perfect credit card. This is especially true if you don’t have the right tools and knowledge. That’s why we offer insightful credit card reviews, as well as informative articles to guide you every step of the way. Browse our 1,000 reviews and find your best card today.

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Truist

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SunTrust Credit Cards

FAQs About SunTrust Bank

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