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SunTrust Cash Rewards Credit Card Benefits
The SunTrust Cash Rewards Credit Card comes with SunTrust World Mastercard cardholder benefits, including:
- Baggage delay insurance
- Cellphone protection
- Free access to your FICO score
- Master RoadAssist roadside service
- MasterAssist travel assistance services
- Purchase assurance
- Travel services medical assistance
- Trip cancellation or interruption insurance
- Worldwide automatic travel accident insurance
- Zero liability coverage
Maximizing Rewards
During their first 12 months after opening an account, cardholders can earn 5% cash back on up to $6,000 of gas and grocery purchases. After that period, the card offers 2% unlimited cash back on all qualifying gas and grocery purchases. Cardholders will earn 1% unlimited cash back rewards on all other qualifying purchases.
SunTrust offers a variety of options for redeeming cash back on the credit card. Cardholders can purchase online gifts, receive store gift cards, book hotels and airline travel tickets, or redeem their points for cash deposited directly into their checking or savings account.
Comparisons to Other Cards
Annual fee: SunTrust Cash Rewards Credit Card has an annual fee of $0, and the Blue Cash Everyday Card from American Express has an annual fee of $0 (See Rates & Fees).
Rewards: The SunTrust Cash Rewards Credit Card offers 5% cash back for the first 12 months on gas and grocery purchases up to the first $6,000, then 2% unlimited cash back for gas and grocery purchases after the introductory period. The card earns 1% unlimited cash back rewards on all other qualifying purchases. The Blue Cash Everyday Card from American Express offers 3% cash back at U.S. supermarkets on purchases up to $6,000 annually (then 1%). You will receive 2% cash back at U.S. gas stations and select U.S. department stores. This card offers unlimited 1% cash back on other purchases.
Welcome offer: The SunTrust Cash Rewards Credit Card has no sign-up bonus. The Blue Cash Everyday Card from American Express offers a $200 statement credit after you make $1,000 in purchases on your new Card within the first 3 months.
Benefits: The SunTrust Cash Rewards Credit Card offers access to a free monthly FICO credit score, 24-hour customer service, travel assistance, cellphone protection and baggage delay insurance. The Blue Cash Everyday Card from American Express offers car rental loss and damage insurance, a global assistance hotline and more.
Annual fee: SunTrust Cash Rewards Credit Card has an annual fee of $0, and the Bank of America Customized Cash Rewards credit card has an annual fee of $0.
Rewards: SunTrust Cash Rewards Credit Card holders can earn 5% cash back on up to $6,000 in gas and grocery purchases within the first 12 months. After this introductory period, cardholders earn an unlimited 2% cash back on grocery and gas purchases and 1% unlimited cash back on all other qualifying purchases. The Bank of America Customized Cash Rewards credit card offers 3% cash back in a category of your choice, including gas, online shopping, travel, dining and drug stores, and 2% cash back at grocery stores and wholesale clubs. The 3% and 2% cash back earnings are eligible on up to $2,500 in combined choice category, grocery store and wholesale club purchases each quarter (then 1%). You’ll earn 1% cash back on all other purchases.
Sign-up bonus: The SunTrust Cash Rewards Credit Card has no sign-up bonus. The Bank of America Customized Cash Rewards credit card offers a $200 cash rewards bonus after cardholders make $1,000 on purchases in the first 90 days of account opening.
Benefits: The SunTrust Cash Rewards Credit Card offers access to a monthly FICO credit score, World Mastercard benefits, 24-hour customer service and purchase assurance. The Bank of America Customized Cash Rewards credit card offers a zero liability guarantee on fraudulent purchases and monthly FICO credit score access for free.
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