Can I Use The Suntrust Rewards Card For Car Repairs

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Intro Offer	None
Rewards Rate	5% cash back up to $6,000 spent on gas and grocery purchases in the first 12 months 2% unlimited cash back on gas and grocery purchases after that Unlimited one% greenbacks dorsum on all other purchases
Regular APR	0% APR on purchases and balance transfers for 15 months; subsequently that, 13.49% to 23.49% variable APR
Almanac Fee	$0

See how this menu stacks upwardly to our top rated rewards credit cards

Carte du jour Overview

Pros

Flexible redemption options
Free access to your FICO score
SunTrust World Mastercard Benefits, including extended warranty, price protection, and travel assistance services
No foreign transaction fees

Cons

Cardholders with low SunTrust checking account balances won't qualify for the all-time loyalty bonuses
5% cash back charge per unit capped at $half-dozen,000 in purchases during the carte du jour's start year
Must expect until the close of the billing period to redeem rewards
Client service reviews tend to exist negative with this card (and for SunTrust in general)
3% balance transfer fee (minimum $ten)

Recommended Credit Score

First-class credit

SunTrust Credit Carte du jour Review: A Good Menu for Existing SunTrust Customers

If you're already loyal to SunTrust and have existing deposit accounts with the banking concern, the SunTrust Cash Rewards Mastercard may be a stiff credit card option for you. The card offers competitive rewards rates in sure categories, especially during the start 12 months. However, many of the best perks are geared toward existing customers who depository financial institution with SunTrust. If that's non you, you lot might desire to look elsewhere — or consider opening a SunTrust account to maximize rewards.

In this review:

Benefits of the SunTrust Greenbacks Rewards Mastercard
Downsides of the SunTrust Greenbacks Rewards Mastercard
SunTrust Customer Service
How it Compares to Similar Cards

Benefits of the SunTrust Cash Rewards Mastercard

The SunTrust Cash Rewards card stands out for its bonus rewards and reasonable APR.

Signup Bonus

This card doesn't come up with a traditional signup bonus that requires yous to spend X corporeality inside a sure number of days to become a certain number of rewards points. Instead, the signup bonus offers a generous 5% cash back on upward to $six,000 in combined gas and grocery purchases in the starting time 12 months of opening an business relationship. This makes the value of this bonus around $300, on par with the typical signup bonuses yous'd notice with many competing cards.

SunTrust Credit Bill of fare Rewards

After the first yr, cardholders earn ii% unlimited cash dorsum on gas and grocery purchases, as well as unlimited 1% cash back on all other qualifying purchases from the day of account opening.

Cash Bonuses for SunTrust Customers

The SunTrust card'due south Loyalty Cash Bonus is available to cardholders who redeem their cash dorsum directly into a SunTrust checking, savings, or money marketplace business relationship. You must redeem a minimum of $five for either a statement credit or an ACH credit to a deposit account. The loyalty tiers are:

If a client redeems Greenbacks Rewards through a direct deposit into a SunTrust checking, savings, or money market business relationship, they receive a 10% Loyalty Greenbacks Bonus.
There is a 25% Loyalty Greenbacks Bonus for clients who have an Reward Checking, Signature Advantage Checking, or Exclusive Checking account, with a combined balance between $25,000 and $100,000.
At that place is a 50% Loyalty Greenbacks Bonus for clients whose qualified accounts have a combined balance of more than $100,000.
SunTrust Premier Program and Private Wealth Management Clients receive a 50% Loyalty Cash Bonus.

For example, someone eligible for a x% Loyalty Greenbacks Bonus with $100 in base rewards would earn an additional $10, bringing their total earnings to $110.

Other Perks

The SunTrust Cash Rewards card offers a $0 introductory Apr on both purchases and residuum transfers for fifteen months after a new customer opens an business relationship. Later that, there is a competitive variable APR starting equally depression as 13.49%, depending on creditworthiness.

In improver, the card has no annual fee and no foreign transaction fees. It also comes with standard Mastercard perks such every bit EMV chip technology and travel protections.

Downsides of the SunTrust Cash Rewards Mastercard

If yous aren't already a SunTrust customer or are unwilling to make the switch, this probably isn't the card for yous. The chief way to maximize the card's rewards is by transferring rewards directly into a SunTrust account. The more than you have deposited in eligible SunTrust accounts, the greater the loyalty bonus.

Other potential downsides to the SunTrust Greenbacks Rewards Mastercard include:

Narrow awarding restrictions: If you don't accept a SunTrust bank account, you must exist a resident of Alabama, Arkansas, Florida, Georgia, Maryland, Mississippi, North Carolina, Southward Carolina, Tennessee, Virginia, Washington, D.C., or West Virginia to exist eligible to employ. (U.S. residents who take an account and who live in any country except Vermont tin can apply.)
Poor client reviews:SunTrust has earned a lot of poor marks when it comes to customer service.

SunTrust Customer Service

To contact SunTrust client service, you can visit their website or call ane-800-SUNTRUST to speak directly with a representative. New card applicants can call 1-800-279-4824.

How it Compares to Like Cards

The SunTrust Cash Rewards Mastercard is a potent option for existing banking company customers, but there are other cash dorsum credit cards you might want to consider, peculiarly if y'all take an excellent credit history.

SunTrust Cash Rewards Mastercard vs. Observe information technology

The Notice information technology Greenbacks Dorsum is one such card that may be a worthy culling to the SunTrust card. The Discover it rewards cardholders with 5% bonus cash back in rotating quarterly categories, with unlimited 1% greenbacks dorsum on all other purchases. In lieu of loyalty bonuses for cardholders with Discover deposit accounts, though, the Discover it automatically matches all the cash back yous earn at the finish of your first year, with no limits.

Similar the SunTrust Greenbacks Rewards, the Discover it has no annual fee and offers flexible redemption options. It also has a 0% introductory Apr on both purchases and balance transfers for xiv months, just ane month shy of the SunTrust carte's intro April.

At the end of the day, the Discover it Cash Back card has fewer eligibility restrictions when it comes to applying. Unless y'all already have a SunTrust banking concern account, the Discover it might offer the benefits you need with fewer strings fastened.

Bottom Line

Because of the eligibility restrictions and narrow qualifications for loyalty bonuses, the SunTrust Cash Rewards credit carte du jour is somewhat of a niche offering. To fully maximize the bill of fare perks, you lot should exist a SunTrust customer and preferably hold a relatively high balance in your SunTrust accounts. You should also be a big spender in the gas and grocery store categories. If you don't run into these criteria, there may exist amend cards for yous, similar the Find it.