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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 +100% 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
Highlights
Community Rating

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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR  (Variable APR) 12.99% - 22.99%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 12.99% - 22.99%
Rewards Rates Every Purchase

SunTrust Prime Rewards Review

SunTrust Prime Rewards is a cashback credit card issued by SunTrust Bank. If you're wondering whether SunTrust Prime Rewards is the right card for you, read on. This is everything you need to know to make a good choice.

  • Earn 1% cash back on everyday purchases.
  • 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 12.99% up to 22.99%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards 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. After the introductory period, the fee is 3%.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as 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 should probably try with another card if your credit score is below 700.
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.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 5%.
  • No balance transfer fee, if you transfer the balance within 60 days. After the intro period, the fee is 3% with a minimum of $10.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • SunTrust Prime Rewards reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Low cash back rate
  • No introductory rate for purchases
  • Not available in all states
  • Requires good to excellent credit.

Is there a SunTrust Prime Rewards cash back or rewards program?

SunTrust Prime Rewards is a cashback card. This means you earn a percentage of your purchase as a cash reward.

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

Does SunTrust Prime Rewards have a signup bonus?

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

Does SunTrust Prime Rewards offer an annual loyalty bonus?

SunTrust Prime Rewards doesn't offer a cash loyalty bonus.

What are the SunTrust Prime Rewards benefits?

SunTrust Prime Rewards provides the following benefits:

  • Free Credit Score
  • 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?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. SunTrust Prime Rewards has lower than average purchase APRs.

SunTrust Prime Rewards has a variable purchase APR that ranges from 12.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 22.99%. It also has a variable cash advance APR starting at 26.74% .

Does SunTrust Prime Rewards have an introductory APR offer on balance transfers??

Yes, SunTrust Prime Rewards offers an introductory APR rate on balance transfers of 5% for a period of up to 36 months.

SunTrust Prime Rewards Balance Transfers
Description
Balance Transfer APR 12.99% - 22.99%
Balance Transfer Introductory APR 5%
Balance Transfer Intro APR Period (months) 36
Balance Transfer Fee % 0%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Fee Intro Period (days) 60
Balance Transfer Fee Minimum $10

Does SunTrust Prime Rewards have an introductory APR offer on new purchases??

SunTrust Prime Rewards does not offer an introductory rate on new purchases.

What are the SunTrust Prime Rewards fees?

The following fees apply to SunTrust Prime Rewards:

SunTrust Prime Rewards Fees
Fees Amount
Annual Fee up to $0
Foreign Transaction Fee 0%
Balance Transfer Fee 0%
Minimum Balance Transfer Fee $10
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does SunTrust Prime Rewards have a foreign transaction fee?

SunTrust Prime Rewards does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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

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 can help improve your credit score.

How to apply for SunTrust Prime Rewards

  • Visit the SunTrust Prime Rewards 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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 (%) 4%
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
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Low Interest
  • Rewards
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Free FICO Score  
Bonus Rewards $100 in statement credit after you spend $500 on qualifying purchases, in the first 3 months after account opening.
Rewards Rates Every Purchase
Signup Bonus $100
Rewards Type Cash Back
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation average daily balance
Purchase APR (Variable APR) 12.99% - 22.99%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Fee Intro Period 60 days
Balance Transfer Introductory APR (Variable APR) 5%
Balance Transfer Intro APR Period (Variable APR) 36 months
Balance Transfer APR (Variable APR) 12.99% - 22.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 0%

SunTrust Prime Rewards Community Reviews

 

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