Suntrust MasterCard® Cash Rewards

  • 5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases* in the first 12 months*
  • 2% Unlimited Cash Back on qualifying gas and grocery purchases after your introductory bonus cash back
  • 1% Unlimited Cash Back on all other qualifying purchases
  • 0.0% intro APR on purchases and balance transfers for 15 months after account opening. Competitive variable rate, currently 13.24-23.24% APR thereafter*.
  • No annual fee*
  • No foreign transaction fees*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit Personal $0* N/A* N/A* 13.24%* - 23.24%* Cash Back


Quick Summary:
This is a Mastercard cash back rewards card issued by SunTrust Bank. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 13.24%* and may be as high as 23.24%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 742 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any SunTrust Bank product.

Other Basics:
The grace period listed for the Suntrust MasterCard® Cash Rewards is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Mastercard, where acceptance is global. Most businesses that accept credit cards will accept Mastercard as a form of payment (subject to available credit).

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 742, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

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