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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.
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Kliment Dukovski
Last Updated

$100

Welcome offer

Up to 1%

Cash back

$0

Annual fee

12.74% to 22.74%

Purchase APR (variable)

Details

Annual fee$0
Welcome Offer$100 after spending $500 in the first 3 months
Rewards1% cash back on all purchases
Purchase APR12.74% to 22.74% variable
Balance transfer APR3.25% intro for the first 36 months (then 12.74% to 22.74% variable)
Recommended minimum credit score670
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Review by

Kliment Dukovski is a credit cards and investments 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 3.25% 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.

Best of 2021
Finder experts pick SunTrust Prime Rewards as a 2021 best product for credit cards.

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
Blue Cash Preferred® Card from American Express
Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
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 (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Apply now
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Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
Up to $250: 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)
$0
Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Apply now
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Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95

Up to $1,250 signup bonus

 Earn a massive signup bonus of 100,000 points with this popular travel card. That's worth up to $1,250!
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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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