SunTrust Prime Rewards Credit Card review
Get cash back and a low-interest balance transfer period.
- Get this card if you want to earn flat cashback on your purchases.
- Pick something else if you want to earn a higher cashback rate.
- Apply with a good to excellent credit score 670 or higher.
Up to 1%
12.74% to 22.74%
Purchase APR (variable)
|Product Name||SunTrust Prime Rewards|
|Purchase APR||12.74% to 22.74% variable|
|Balance transfer APR||4.75% intro for the first 36 months (then 12.74% to 22.74% variable)|
|Balance transfer fee||No balance transfer fees for the first 60 days (then $10 or 3%)|
|Cash advance rate||26.49% variable|
|Cash advance fee||$10 or 4% of the cash advance amount, whichever is greater|
|Foreign transaction fee||None|
|Late payment fee||Up to $39|
|Returned payment fee||Up to $39|
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
Despite having rewards in its name, this card’s strongest feature is the long low-interest balance transfer period. Instead of a 0% interest for 12 months, the SunTrust Prime Rewards Credit Card offers a 4.75% variable intro APR on balance transfers for a stellar 36 months. But if you think you can pay off your balance in less than 12 months, a 0% intro APR period card may be the better choice.
As for the rewards, the SunTrust Prime Rewards Credit Card earns 1% cash back on all purchases. You can boost this rate by 10%, 25% or 50% if you redeem your cash rewards directly into a SunTrust checking, savings or money market account. Unless you get the 50% bonus and earn 1.5% cash back on all purchases, this card may not be as rewarding as competitor 1.5% cashback cards.
Note: You can apply for this card if you live in any of the following states: AL, AZ, FL, GA, MD, MS, NC, SC, TN, VA, WV and DC.
How do I get a 50% bonus cash back?
You need to have a SunTrust Prime Rewards:
- Advantage checking
- Signature Advantage Checking
- Exclusive Checking account
And you need to have a combined balance in these accounts of $100,000 or more.
How to apply for the SunTrust Prime Rewards Credit Card
- Visit the SunTrust website and locate the card.
- Click Apply now.
- Fill out the application form.
- Review the form and submit.
What credit score do I need?
Increase your chances of approval with a good credit score of 670 or higher.
Compare credit cards
If you’re looking to earn flat cash back on your purchases without paying an annual fee, this card comes with these perks. Its rewards rate may not be as high as similar cards, but you also get one of the longest low-interest balance transfer periods and you won’t pay balance transfer fees if you move your balance within a certain time frame.
But if you’re looking to earn a higher cashback rate, compare other cashback cards until you find the right fit for your needs.