2017 RANKING & REVIEWS
TOP RANKING CREDIT CARDS FOR SUNTRUST


Finding the Best SunTrust Bank Credit Card 

SunTrust Bank offers a full suite of financial services in both the personal finance and business arenas. Do you want to know one aspect of its offerings? Credit cards.

That’s right. A SunTrust Bank credit card is something that you can add to your wallet, and there are benefits to doing so. If you are already a SunTrust Bank member, there are added benefits as well like waived fees.

There are five options for a SunTrust Bank credit card: four personal and one business. You choose from a secured credit card from SunTrust, a SunTrust business credit card, a SunTrust Rewards credit card, and two others.

Award Emblem: Top 5 Best SunTrust Credit Cards

These credit cards have cashback and rewards earning potential which make them more enticing. The SunTrust credit card rewards opportunities out there allow you to earn cash back on everyday purchases that you would be making regardless.

With all of the options for a SunTrust Bank credit card, the real task is deciding whether SunTrust credit cards are right for you, and if so, which option is the best to add to your wallet.

It is important to do a thorough SunTrust credit card review to find the best SunTrust bank credit card for you. To save you the time and frustration of researching all of the SunTrust Bank credit card offers out there, we have compiled a list of the top five SunTrust credit cards.

See Also: Top Best 0 Interest Credit Cards | Ranking | Top No-Interest, 0% Purchase, 0 Percent Credit Cards (Reviews)



AdvisoryHQ’s List of the Top 5 SunTrust Credit Cards

List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):

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Source: Money’s My Life


Top 5 SunTrust Credit Card Offers| Brief Comparison

Credit Card Names

Annual Percentage Rate (APR)

Annual Fee

Rewards

Type of Card

SunTrust Cash Rewards Credit Card

10.49–21.49%

None

Yes

Personal

SunTrust Prime Rewards Credit Card

10.49–21.49%

None

Yes

Personal

SunTrust Secured Credit Card with Cash Rewards

20.24%

$32

Yes

Personal

SunTrust Travel Rewards Credit Card

10.49–21.49%

$89

Yes

Personal

SunTrust World for Business Credit Card

10.49–16.49%

None

Yes

Business

Table: Top 5 SunTrust Credit Card Offers| Above list is sorted alphabetically



Detailed Overview of What You Need in a SunTrust Credit Card

When looking for a SunTrust bank credit card, there are many things to consider.

The type of credit card is one thing to note. Do you want a secured credit card from SunTrust, or are you more focused on a SunTrust rewards credit card?

You also need to look at the different features that come with the SunTrust credit cards. The best SunTrust Bank credit card will have some combination of the following offers:

  • No annual fee
  • Introductory APR offer
  • Low APR for purchases & balance transfers
  • SunTrust credit card rewards
  • A signup bonus offer
  • No foreign transaction fees

While all the SunTrust credit cards that we have included in our list, from the SunTrust rewards credit card to the SunTrust secured credit card, are great options, the best SunTrust Bank credit card for you depends on your preferences. Decide what type of card and features that you prefer and choose accordingly.



Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top rated lists?

Please click here “AdvisoryHQ's Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.


Detailed Review – Top Ranking SunTrust Credit Card

Below, please find a detailed review of each card on our list of SunTrust credit cards. We have highlighted some of the factors that allowed these SunTrust credit card offers to score so high in our selection ranking.



SunTrust Cash Rewards Credit Card Review


The SunTrust Cash Rewards Credit Card might be a great cash rewards credit card to add to your wallet.

If you are looking for a rewards card, the SunTrust Cash Rewards Credit Card is a great option. This card has a 0% introductory APR offer that lasts for 15 months for purchases and balance transfers, and after that, you will see a variable APR between 10.49% and 21.49%. This makes it a good option if you are planning any large purchases in the near future.

You will never be charged an annual fee with the SunTrust Rewards Credit Card which is a good feature to have in a card. There is a 3% balance transfer fee and 4% cash advance fee. However, with no foreign transaction fee, you can use this card internationally.

Cash Rewards

For the first year, you will get 5% cash back on gas and groceries on up to $6,000. That alone makes this one of the best SunTrust credit cards on our list, especially for a family that makes these purchases regularly. You will also get 2% cash back on gas and groceries after the first year and 1% cash back on all other purchases.

Bottom Line

If you want a SunTrust Rewards Credit Card with easy-to-earn rewards, the SunTrust Cash Rewards Credit Card could be a good option for you. With no annual fee and a 15-month 0% introductory APR offer, this SunTrust Bank credit card has some quality features.

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SunTrust Prime Rewards Credit Card Review


If you want a rewards credit card, the SunTrust Prime Rewards Credit Card is another good choice. This SunTrust rewards credit card has an easy rewards program to follow and some other good features as well.

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Source: SunTrust Prime Rewards Credit Card

Though there is no 0% introductory APR offer on purchases, you will have 3 years of APR at prime rate for balance transfers. The current intro APR for balance transfers is 3.5% which is low compared to other cards. As an added bonus, for the first 60 days of having this SunTrust rewards credit card, you will be charged no fee on balance transfers.

After the introductory period for balance transfers and right away for purchases, you will have a variable APR between 10.49% and 21.49%. There is no annual fee and no foreign transaction fees which is good to see on this SunTrust rewards credit card.

Cash Rewards

With this SunTrust rewards credit card, you will earn unlimited 1% cash back on all qualifying purchases. This makes the program easy to follow, and you don’t have to worry about rotating rewards categories. As a bonus, with this SunTrust Bank credit card, you will get $100 cash back if you spend $500 in the first 3 months of having the card.

Bottom Line

If you are looking for cash rewards, the SunTrust Prime Rewards Credit Card is a good option. This SunTrust rewards credit card is great for balance transfers, and you can earn cash back rewards with no annual fee. This is a good combination of features for any credit card.

Related: Top Best 0 Balance Transfer Credit Cards | Ranking & Reviews | 0 APR Credit Card Balance Transfer Fee



SunTrust Secured Credit Card with Cash Rewards Review


If you want a secured credit card from SunTrust Bank, the SunTrust Secured Credit Card with Cash Rewards is a good option. This SunTrust secured credit card offers cash rewards which not all secured credit cards do.

You won’t see an introductory APR period for purchases or balance transfers, and you will have a set APR of 20.24% with the SunTrust Secured Credit Card with Cash Rewards. There is also an annual fee of $32, but the SunTrust Secured Credit Card with Cash Rewards is not the only secured card out there to charge an annual fee.

With a 4% balance transfer and 4% cash advance fee, this is not a card to do anything fancy with. However, if you are looking for cash rewards and have bad credit, this SunTrust secured credit card is a good option.

Cash Rewards

With the SunTrust Secured Credit Card with Cash Rewards, you will get 2% cash back on gas and grocery purchases for the first year, on up to $6,000 in purchases. You will get 1% unlimited cash back on all other purchases while you have this card. Though other credit cards offer higher cash back than the SunTrust Secured Credit Card with Cash Rewards, this is a good program for someone with poor credit.

Bottom Line

If you have poor credit but are looking for a credit card with cash rewards, the SunTrust Secured Credit Card with Cash Rewards is definitely a card to consider. There are no flashy features beyond cash rewards potential, but with poor credit, you can’t be too fussy.

Popular Article: Top Best Cash Rewards Credit Card Offers | Ranking | Best Cash Back Rewards & Money Back Credit Cards



SunTrust Travel Rewards Credit Card Review


When looking for a SunTrust travel credit card, the SunTrust Travel Rewards Credit Card is an option. As far as travel rewards credit cards go, this is a good SunTrust Bank credit card.

Not only will you get a 0% introductory offer for 15 months on purchases and balance transfers, you will also see no foreign transaction fees. This is a good card to make international purchases on a vacation or book accommodations ahead of time. With 0% APR and no foreign transaction fees, this SunTrust Bank credit card is a great option for a travel credit card.

This card does come with an annual fee of $89, and this fee is not waived the first year. Though this is a drawback, it is hardly a deal breaker. Also, after the introductory period, your variable APR for purchases and balance transfers will be the normal 10.49% to 21.49%.

Travel Rewards

It is easy to earn travel rewards with this SunTrust Bank credit card. You will get 5% cash back on up to $6,000 spent on travel purchases in the first year. If you are planning a big trip, this essentially gives you a 5% discount.

After the intro period, you will get 3% cash back on travel purchases and 1% cash back on all other purchases. These rewards are unlimited, and you can redeem them for cash back, cruises, airfare, hotels, and more.

You will also get a $100 statement credit every 5 years to reimburse your application fee for Global Entry or TSA Pre-Check. Other travel cards don’t offer this unique SunTrust Bank credit card feature.

Bottom Line

If you want a travel rewards credit card with easy rewards earning, this SunTrust Bank credit card for travel is one to consider. With 0% APR, no foreign transaction fees, and a great rewards program, this is a good travel credit card.



SunTrust World for Business Credit Card Review


The SunTrust World for Business Credit Card is a SunTrust business credit card that might meet your business needs. Of the five SunTrust credit cards, this one is specifically designated as a business credit card.

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Source: SunTrust World for Business Credit Card

You will get 0% APR on purchases with this SunTrust Bank credit card, before your APR goes up somewhere between 10.49% and 21.49%. You will also never see an annual fee which is one less expense for your business to worry about.

With a cash advance fee of 3%, foreign transaction fee of 3%, and  balance transfer of 3%, this is not a great credit card if you are trying to do anything fancy. However, it is a solid SunTrust Bank credit card if you are looking to earn some regular cash back on business purchases.

Cash Rewards

Of all of the SunTrust credit cards, this is the only business card. However, that doesn’t mean that it skimps on cash back rewards.

You will get 5% cash back on office supply and fuel purchases for the first twelve months and 3% after that. One percent cash back will be earned on all other purchases with this SunTrust Bank credit card for business.

Bottom Line

If you want a business card that gives you some wiggle room on impending large purchases with an introductory APR offer, the SunTrust World for Business Credit Card is a good SunTrust Bank credit card to own. With a low variable APR and cash rewards, this card could prove to be highly beneficial to your business.

Read More: Best Credit Cards to Have | Guide | What is the Best Easy to Get Credit Card to Apply For?


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Conclusion—Top 5 SunTrust Credit Cards

A SunTrust credit card is a great addition to your wallet due to the variety of SunTrust credit card rewards. The credit card issuer offers five different credit cards, such as a SunTrust travel credit card, the SunTrust Cash Rewards Credit Card, a SunTrust secured credit card, and a SunTrust business credit card, among others. 

Each of these cards comes with its own unique features, so it is important to choose the best SunTrust Bank credit card for you.

 Doing a thorough SunTrust credit card review is important, but it can be very time-consuming. Instead of spending hours researching and doing a SunTrust credit card review of these SunTrust credit cards, AdvisoryHQ has done it for you.

Here is a breakdown of what SunTrust bank credit card might be a good option for you:

  • Good for business: SunTrust World for Business Credit Card
  • Good for cash rewards: SunTrust Cash Rewards Credit Card
  • Good for travel: SunTrust Travel Rewards Credit Card
  • Good for balance transfers: SunTrust Prime Rewards Credit Card
  • Good for no/poor credit: SunTrust Secured Credit Card with Cash Rewards

While every SunTrust bank credit card that we reviewed are good options, from the SunTrust secured credit card and SunTrust business credit card to the SunTrust Cash Rewards Credit Card and SunTrust travel credit card, you need to decide is best-suited for you.

The secured credit card from SunTrust is a good option, but if you have good credit, there more options for a SunTrust rewards credit card. Pick the SunTrust rewards credit card that has distinct features that benefit you most and meet your specific financial needs.



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Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

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