SunTrust Prime Rewards Review

SunTrust Prime Rewards is a cashback credit card issued by SunTrust Bank. 

Good credit. This card is designed for people with good credit. The minimum credit score to apply is 700.

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.

Pros & Cons of SunTrust Prime Rewards

Pros	Cons
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.	Low cash back rate No introductory rate for purchases Not available in all states

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

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
• Fraud Liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for SunTrust Prime Rewards?

SunTrust Prime Rewards has a variable purchase APR that ranges from 13.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 13.49% up to 23.49%.

It also has a variable cash advance APR starting at 27.24% .

What are the SunTrust Prime Rewards fees?

No Annual Fee. SunTrust Prime Rewards does not charge an annual fee. No 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.

The following fees apply to SunTrust Prime Rewards:

SunTrust Prime Rewards Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$10
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for SunTrust Prime Rewards

• Visit the SunTrust Bank website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• 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.