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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

Product NameSunTrust Travel Rewards Credit Card
Card typeMastercard
Annual fee$0 intro annual fee for the first year ($89 thereafter)
Purchase APR11.24% to 21.24% variable
Balance transfer APR0% 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 rate24.99% variable
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 25 days
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 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
Chase Sapphire Preferred® Card
None
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
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
American Express® Gold Card
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60,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
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. Rates & fees
Chase Sapphire Reserve®
None
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Hilton Honors American Express Card
None
80,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. 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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