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  SunTrust Prime Rewards

SunTrust Prime Rewards

in Personal Credit Cards from SunTrust Bank

Unaffiliated

SunTrust Prime Rewards

Unaffiliated

in Personal Credit Cards from SunTrust Bank

Net Recommendation Score +50

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 12.24% - 22.24%
Balance Transfer APR  (Variable APR) 12.24% - 22.24%
Credit Score Range 700 - 850
Annual Fee $0

SunTrust Prime Rewards Review

This is a cashback credit card issued by SunTrust Bank. If you're wondering whether Suntrust Prime Rewards credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of $100 if you spend $500 within 3 months.
  • Competitive APRs. SunTrust Prime Rewards has a variable purchase APR that ranges from 12.24% up to 22.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers, if you transfer the balance within 60 days of opening the account.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Suntrust Prime Rewards credit card
The Good The Bad
  • Unlimited cash back rewards
  • No annual fee or foreign transaction fee
  • Very low introductory APR for balance transfers
  • Get a Loyalty Cash Bonus of 10%, 25% or 50% based on your deposit relationship with SunTrust, when you redeem your cash back directly into a SunTrust Checking, Savings or Money Market account.
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 4.25%.
  • No balance transfer fee, if you transfer the balance within 60 days. -->.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • SunTrust Prime Rewards reports to multiple credit bureaus.
  • Low cash back rate
  • No introductory rate for purchases
  • Not available in all states
  • Requires good to excellent credit.
Suntrust Prime Rewards credit card FAQ

Does Suntrust Prime Rewards credit card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Suntrust Prime Rewards credit card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Up to $100
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does Suntrust Prime Rewards credit card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $100 after spending $500.

Does Suntrust Prime Rewards credit card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Suntrust Prime Rewards credit card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Suntrust Prime Rewards credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.24% up to 22.24%. The card has a variable balance transfer APR that ranges from 12.24% up to 22.24%. It also has a variable cash advance APR of 25.99% .

Does Suntrust Prime Rewards credit card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 4.25% for a period of up to 36 months.

SunTrust Prime Rewards Balance Transfers
Description
Balance Transfer Fee Intro Period 60 days
Balance Transfer Introductory APR 4.25%
Balance Transfer Intro APR Period 36 months
Balance Transfer APR 12.24% - 22.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 0%

Does Suntrust Prime Rewards credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Suntrust Prime Rewards credit card?

The following fees apply:

Suntrust Prime Rewards credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $39
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Suntrust Prime Rewards credit card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

How do people rate the customer service and user experience of Suntrust Prime Rewards credit card?

Overall, Suntrust Prime Rewards credit card is strongly recommended based on community reviews that rate customer service and user experience.

Does SunTrust Prime Rewards report your account activity to credit bureaus?

Yes, SunTrust Prime Rewards reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Suntrust Prime Rewards credit card

  • Visit the Suntrust Prime Rewards credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 11 states and Washington, D.C.
  • Alabama
  • Arkansas
  • Washington, DC
  • Florida
  • Georgia
  • Maryland
  • Mississippi
  • North Carolina
  • South Carolina
  • Tennessee
  • Virginia
  • West Virginia

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $0.50
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
  • Auto Rental Collision Damage Waiver
Rewards Categories
  • 1% Cash Back on Every Purchase
Signup Bonus $100
Cash Advance APR (Variable APR) 25.99%
Balance Computation average daily balance (including new transactions).
Purchase APR (Variable APR) 12.24% - 22.24%
Balance Transfer Fee % After Intro Period Up to 3%
Balance Transfer Fee Intro Period 60 days
Balance Transfer Introductory APR (Variable APR) 4.25%
Balance Transfer Intro APR Period (Variable APR) 36 months
Balance Transfer APR (Variable APR) 12.24% - 22.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 0%
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Low Interest
  • Rewards
Card Network Mastercard

SunTrust Prime Rewards Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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