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SunTrust Prime Rewards Credit Card review

Last updated:  

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

$0

Annual fee

12.74% to 22.74%

Purchase APR (variable)

Details

Product NameSunTrust Prime Rewards
Annual fee$0
Purchase APR12.74% to 22.74% variable
Balance transfer APR4.75% intro for the first 36 months (then 12.74% to 22.74% variable)
Balance transfer feeNo balance transfer fees for the first 60 days (then $10 or 3%)
Cash advance rate26.49% variable
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Late payment feeUp to $39
Returned payment feeUp to $39

Expert review

Kliment Dukovski

Review by


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.

How to apply for the SunTrust Prime Rewards Credit Card

  1. Visit the SunTrust website and locate the card.
  2. Click Apply now.
  3. Fill out the application form.
  4. 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.

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.

Compare credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
$200 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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Compare up to 4 providers

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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