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SunTrust Prime Rewards Credit Card review

Kliment Dukovski

Last updated: Apr 27, 2020

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.

$100

Welcome offer

Up to 1%

Cash back

Annual fee

12.74% to 22.74%

Purchase APR (variable)

Details

Product Name	SunTrust Prime Rewards
Annual fee	$0
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

Recommended minimum credit score	670
Security deposit	N/A
Minimum age	18 years of age

Welcome Offer	$100 after spending $500 in the first 3 months
Rewards	1% cash back on all purchases
Base Rewards	1% cash back

Expert review

Review by

Kliment Dukovski

kliment.dukovski@findercrew.com

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.

Expert review

The SunTrust Prime Rewards Credit Card comes with an easy-to-earn $100 signup bonus, a $0 annual fee, $0 foreign transaction fees and $0 fees for balances transfered within your first 60 days of card membership.

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.

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{"niche":"USCCF"}

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Chase Sapphire Preferred® Card	60,000 points after spending $4,000 in the first 3 months	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases	$95	This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.	Apply now View details	Compare	loading Fetching your data...
Citi® Double Cash Card	N/A	Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)	$0	This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Reserve®	50,000 points after spending $4,000 in the first 3 months	10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases	$550	Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months	Apply now View details	Compare	loading Fetching your data...
Costco Anywhere Visa® Card by Citi	N/A	4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases	$0	Earn valuable cash back on everyday purchases at gas stations, restaurants and Costco as well as eligible travel with no foreign fees.	Apply now View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Priority Credit Card	40,000 points after spending $1,000 in the first 3 months	2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases	$149	Earn 40,000 points after you spend $1,000 in the first 3 months of account opening.	See offer View details	Compare	loading Fetching your data...
Petal® Visa® Credit Card	N/A	Up to 10% cash back from select merchants, on other purchases earn 1% back, 1.25% after six on-time payments and 1.5% after 12 on-time payments	$0	Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score.	Apply now View details	Compare	loading Fetching your data...
TD Cash Credit Card	$150 after spending $500 in the first 90 days	3% on dining, 2% at grocery stores and 1% on all other eligible purchases	$0	3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT	Apply now View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Titanium Card™	N/A	1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back	$195	Enjoy unique excursions, privileged access to exclusive events and insider opportunities.	Apply now View details	Compare	loading Fetching your data...
Citi Rewards+℠ Card	Earn 15,000 points after spending $1,000 in the first 3 months	Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases	$0	Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.	Apply now View details	Compare	loading Fetching your data...
United℠ Explorer Card	60,000 miles after spending $3,000 in the first 3 months	2x miles at restaurants, hotels and United and 1x miles on all other purchases	$0 intro annual fee for the first year ($95 thereafter)	60,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.	See offer View details	Compare	loading Fetching your data...
Credit One Bank® Unsecured Visa® with Cash Back Rewards	N/A	1% cash back on all purchases or in categories based on Credit One Bank’s discretion	$0 to $99	Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.	Apply now View details	Compare	loading Fetching your data...
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CardMatch™ from creditcards.com	See terms	See terms	See terms	Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	See offer View details	Compare	loading Fetching your data...

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Bottom line

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.

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