Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

SunTrust Travel Rewards Credit Card review

Last updated:  

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.

$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)
Recommended minimum credit score670
IssuerMastercard

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 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
American Express® Gold Card
None
60,000 points after spending $4,000 in the first 3 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points) and 3x points on directly-booked flights
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Terms apply, see rates & fees
Chase Sapphire Preferred® Card
None
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries.
5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
Earn a signup bonus worth $750 plus up to $50 statement credit towards groceries with this popular travel card.
The Platinum Card® from American Express
None
75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
loading

Compare up to 4 providers

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.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site