Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.24% - 22.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
12.24% - 22.24%(Verified 06/21/2024)
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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 is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $100.
- APRs: SunTrust Prime Rewards has a variable regular 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 eligible 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Suntrust Prime Rewards credit card
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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.
| Description |
Does Suntrust Prime Rewards credit card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $100 .
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?
SunTrust Prime Rewards 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.SunTrust Prime Rewards 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 36 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.24% - 22.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 4.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 36 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 60 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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.What is the customer service phone number for Suntrust Prime Rewards credit card?
The customer service number for Suntrust Prime Rewards credit card is (800) 786-8787.
What is the support contact email for Suntrust Prime Rewards credit card?
The support contact email for Suntrust Prime Rewards credit card is hugh.suhr@suntrust.com.
What is the login page for Suntrust Prime Rewards credit card?
You can access the login page of Suntrust Prime Rewards credit card here.
How do people rate the customer service and user experience of Suntrust Prime Rewards credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does SunTrust Prime Rewards report your account activity to credit bureaus?
Yes, SunTrust Prime Rewards reports to the following credit bureaus:
- 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 build your credit.
Does SunTrust Bank perform a hard credit pull?
Yes, Suntrust Prime Rewards credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Suntrust Prime Rewards credit card
- Visit the website of Suntrust Prime Rewards credit card.
- 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.
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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.
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