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.
Up to 3%
for the first year ($89 thereafter)
11.24% to 21.24%
Purchase APR (variable)
|Product Name||SunTrust Travel Rewards Credit Card|
|Annual fee||$0 intro annual fee for the first year ($89 thereafter)|
|Purchase APR||11.24% to 21.24% variable|
|Balance transfer APR||0% intro for the first 15 months (then 11.24% to 21.24% variable)|
|Balance transfer fee||$10 or 3% of the transaction, whichever is greater|
|Cash advance rate||24.99% variable|
|Cash advance fee||$10 or 4% of the cash advance amount, whichever is greater|
|Foreign transaction fee||None|
|Interest free period||Up to 25 days|
|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.
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:
• North Carolina
• South Carolina
• 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
- Visit the SunTrust Travel Rewards Credit Card page.
- Click Apply now.
- Fill out the application form with the required details.
- 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
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.