SunTrust Prime Rewards Credit Card

SunTrust Prime Rewards Credit Card

SunTrust Prime Rewards Credit Card

SunTrust Prime Rewards Credit Card

SunTrust Prime Rewards Credit Card

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Card details

  • 3 year introductory offer at Prime Rate (currently 4.75% variable APR) on balance transfers made in the first 60 days after account opening. Variable 12.74% - 22.74% APR thereafter.

  • Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open. After the first 60 days of account opening, the fee for future balance transfers is $10 or 3% of the amount of the transfer, whichever is greater, will apply.

  • 1% Unlimited Cash Back on all qualifying purchases, all the time.

  • Earn a $100 Statement Credit after you spend $500 on qualifying purchases in the first three months.

  • 10%, 25%, or 50% Loyalty Cash Bonus, based on your deposit relationship with SunTrust, when you redeem your cash rewards directly into a SunTrust checking, savings or money market account.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1%

  • Bonus offer

    Earn a $100 Statement Credit after you spend $500 on qualifying purchases in the first three months.

  • Intro APR

    4.75% for the first 36 months for all Balances transferred within 60 days of account opening

  • Ongoing APR

    APR: 12.74%-22.74% Variable APR

    Cash Advance APR: 26.49%, Variable

  • Balance transfer fee

    $10.00 or 3% of the amount of the transfer, whichever is greater

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

SunTrust Rewards Card Credit Card

SunTrust Prime Rewards Credit Card

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

12.74%-22.74% Variable APR

Rates & Fees

Regular APR

21.24%-29.99%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

4.75% for the first 36 months for all Balances transferred within 60 days of account opening

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%-29.99%.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Gregory Karp

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period

  • Earns rewards

  • New cardholder bonus offer

  • No foreign transaction fees

Cons
  • Limited availability

The SunTrust Prime Rewards Credit Card offers a low-interest period that's just silly-long: 4.75% for the first 36 months for all Balances transferred within 60 days of account opening, and then the ongoing APR of 12.74%-22.74% Variable APR

The $0-annual-fee card also offers a sign-up bonus and rewards. These are hard to find on other cards in its class.

However, there's no 0% introductory APR period, and the card is not available to residents in every state.