SunTrust Cash Rewards Card Review

Who is the SunTrust Cash Rewards Card for?

The SunTrust Cash Rewards Card is great for people looking for a rewards program that helps cardholders save money on gas and groceries. With unlimited points available to earn, heavy shoppers will enjoy the extra cash back in their pockets. 

Cardholders will also enjoy the fact that the SunTrust Cash Rewards Card comes with no annual and foreign transaction fees. So, frequent travelers considering this card don’t have to worry about running into fees while shopping abroad.

However, to apply for this credit card you must either have a SunTrust account or live in:

• Alabama
• Arkansas
• Florida
• Georgia
• Maryland
• Mississippi
• North Carolina
• South Carolina
• Tennessee
• Virginia
• Washington D.C.
• West Virginia

Introductory Benefits

During the first 12 months of account opening, cardholders earn 5% cash back on gas and grocery purchases for up to $6,000. This special offer is a great incentive for cardholders looking to save a lot on their expenses. In addition, cardholders can enjoy an introductory 0% APR on purchases and balance transfers during the first 15 months. This feature helps cardholders save money during the start of their SunTrust account. The long introductory 0% APR is matched by few other credit cards, so if you are looking for a low-interest introductory offer, you should consider the SunTrust Cash Rewards Card!

Rewards

The SunTrust Cash Rewards Card offers 2% cash back on gas and grocery expenses and 1% cash back on all other purchases. For customers who spend most of their budget in these areas, the SunTrust Cash Rewards Card will prove extremely useful in saving money. In addition, there isn’t a cap on the amount that owners can earn through the rewards program. So, you can enjoy all the benefits of this card without ever needing to worry about reaching a limit on your rewards! This feature is especially beneficial for heavy shoppers since they can spend and continue to get rewarded. 

Cardholders can redeem their rewards points for cash, to cover a recent purchase, or to earn rewards on gift cards. Through partnerships with Amazon and Chipotle, cardholders can earn great rewards on all the things they love! Rewards can also be used to book travel through the SunTrust rewards portal. With all of these great perks, what’s not to love about the SunTrust Cash Rewards Card.

Benefits

A strong benefit of the SunTrust Cash Rewards Card is that cardholders get free access to view their FICO credit scores every month. SunTrust also shows cardholders what has affected their credit scores so that they can adjust their payment habits to improve their score. With free access to FICO credit scores, SunTrust makes it easy for cardmembers to improve their scores and earn higher lines of credit later on.

Separate from the rewards program, SunTrust Deals is a feature that gives card owners cheaper prices at select merchants. Cardholders can save money at Five Guys, Airbnb, Dick’s, and Advanced Auto Parts. So, if you are using this card, be sure to take advantage of the great deals offered by SunTrust.

If you enjoy using ShopRunner or Postmates, the SunTrust Cash Rewards Card is a great card to consider. As a perk for using this card, cardholders receive a complimentary ShopRunner membership to earn free 2-day shipping at thousands of online stores. Similarly, for orders $25 or more at Postmates, cardholders earn $5 off. 

For cardholders with an upgraded SunTrust checking account, they also earn additional cashback on purchases. Cardholders can earn 10%, 25%, or 50% as a loyalty cash bonus when redeeming their rewards points.

With no foreign transaction fees on the card, the SunTrust Cash Rewards Card can be used anywhere around the world without incurring hefty fees. Frequent travelers will especially enjoy this benefit in addition to the many travel protections SunTrust offers.

Services and Protections

Through the SunTrust mobile app, cardholders can also lock their card accounts with just a few taps on their phone. This makes it easy for cardholders to prevent any fraudulent activity from occurring if their credit card is lost or stolen. In case any unauthorized purchases are made, cardholders have zero liability and do not need to pay for the expenses. 

In partnership with Mastercard, if any card information is found online, Mastercard will help resolve the issue 24/7. Cardholders can relax due to the fact that Mastercard will help protect their identity at all times of the day.

SunTrust also provides an optional overdraft protection feature that links the credit card account to a SunTrust checking account. So, if you accidentally spend more than the credit limit, SunTrust will use any funds in your checking account to cover the remaining balance. This is a great feature to help cardholders avoid any fees and pay for goods.

SunTrust provides up to 9 additional cards, so if you or any family members want to share an account, SunTrust makes it easy to do so. However, certain benefits are restricted to primary and secondary cardholders.

For any cell phone bills paid with the SunTrust Cash Rewards Card, SunTrust will insure up to $800 in case your phone is damaged or stolen. However, this protection can only be used twice a year.

Lastly, when purchasing a product with the SunTrust Cash Rewards Card, cardmembers can receive an extended warranty on eligible products. This protection ensures that cardholders can enjoy their products without fear of breaking the product after the warranty expires. 

Conclusion

The SunTrust Cash Rewards Card is perfect for cardholders looking to earn big rewards on gas and groceries while enjoying many security benefits. On top of the great rewards program, this card also comes with no annual and foreign transaction fees. This means that cardholders can earn cash back on their purchases and save money on fees. If you are looking for an easy to use credit card that focuses on rewarding customers, look no further than the SunTrust Cash Rewards Card.