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SunTrust Travel Rewards Credit Card review

Get travel perks and save on interest with balance transfers.

  • Get this card if you want a mid-tier travel credit card with high-end perks.
  • Pick something else if you want extra features like lounge access.
  • Apply with a good to excellent credit score of 670 or higher.
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$250

Welcome offer

Up to 3%

Cash back

$0

Annual fee

for the first year ($89 thereafter)

11.24% to 21.24%

Purchase APR (variable)

Details

Annual fee$0 intro annual fee for the first year ($89 thereafter)
Welcome offer$250 after spending $3,000 in the first 3 months
Rewards3% cash back on travel, 2% on dining and 1% on all other purchases
Purchase APR11.24% to 21.24% variable
Balance transfer APR0% intro for the first 15 months (then 11.24% to 21.24% variable)
Minimum Credit Score670
IssuerMastercard
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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 Travel Rewards Credit Card is an excellent mid-tier travel option with an intro $0 annual fee for the first year, a long 0% intro APR period on balance transfers and a solid $250 signup bonus. Plus you get a $100 statement credit once every five years to cover for your TSA PreCheck or Global Entry application fee.

What’s more, you get to earn 3% unlimited cash back on travel purchases and 2% back on dining. You get an additional 10%, 25% or 50% cash bonus if you have a deposit or investment balance at a SunTrust account of between $0 and $100,000 and you deposit your cash back in these accounts. This can effectively turn your 3% cash back on travel into 4.5%, beating the rewards rate of many high-end credit cards.

The only downside is you have to live in one of the states where SunTrust operates:
• Alabama
• Arizona
• Florida
• Georgia
• Maryland
• Mississippi
• North Carolina
• South Carolina
• Tennessee
• Virginia
• West Virginia
• Washington, D.C.

If you live in another state and you aren’t eligible to apply for this card, consider similar travel credit cards.

How to apply for the SunTrust Travel Rewards Credit Card

  1. Visit the SunTrust Travel Rewards Credit Card page.
  2. Click Apply now.
  3. Fill out the application form with the required details.
  4. Review your application and submit.

What credit score do I need?

Increase your chances of approval with a good to excellent credit score of 670 or higher.

Compare travel rewards cards

Name Product Foreign transaction fee Welcome offer Rewards Filter values
The Platinum Card® from American Express
None
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined eligible purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
American Express® Gold Card
None
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
Luxury Card Mastercard® Titanium Card™
None
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
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Bottom line

If you’re looking for a travel credit card that won’t burn a hole in your pocket, then the SunTrust Travel Rewards Credit Card could be the one. You get accelerated rewards on travel and dining purchases, a TSA PreCheck or Global Entry fee credit, a solid signup bonus and a long 0% intro APR period on balance transfers — a rare feature among travel credit cards.

But if you don’t find this card particularly appealing, compare other travel credit cards.

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