Credit cards offer a range of benefits and conveniences that make them an essential financial tool for many people. Among the myriad of options available, the SunTrust Prime Rewards Credit Card stands out as a compelling choice for consumers seeking a blend of rewards and practical features. This card caters not only to those who wish to earn rewards on their everyday purchases but also to those who appreciate the subtler benefits of a well-rounded credit card. With a generous rewards structure, low introductory APR on balance transfers, and no annual fee, the SunTrust Prime Rewards Credit Card offers a combination of features that can provide real financial value to its cardholders. In the following sections, we will delve into the top nine features that set this credit card apart, highlighting how each can contribute to an enhanced shopping and financial management experience.

What is SunTrust Prime Rewards Credit Card?

Before we dive into the features of this credit card, let's take a closer look at what the SunTrust Prime Rewards Credit Card actually is. This credit card is issued by SunTrust Bank, one of the largest and most reputable banks in the United States. It is designed for individuals with good to excellent credit scores who are looking to maximize their rewards and savings potential. The card is part of the Mastercard network, meaning it can be used at millions of locations worldwide. Cardholders also have access to various Mastercard benefits and protections, adding an extra layer of security and peace of mind.

How to apply for SunTrust Prime Rewards Credit Card?

If you're interested in applying for the SunTrust Prime Rewards Credit Card, the process is simple and straightforward. The first step is to check your credit score to see if you meet the card's requirements. You'll need a good or excellent credit score (typically 670 or above) to have a good chance of being approved for this card. Once you have confirmed your credit score, you can apply online through SunTrust's website or by visiting a local branch. The application will require personal and financial information, so be sure to have that ready before applying.

Top 9 Features of the SunTrust Prime Rewards Credit Card

Now that we understand what the SunTrust Prime Rewards Credit Card is and how to apply for it, let's dive into its top nine features.

1. Rewards Program

One of the biggest draws of the SunTrust Prime Rewards Credit Card is its rewards program. Cardholders can earn unlimited 1% cash back on all purchases, with opportunities to earn up to an additional 25% bonus on those rewards through qualifying checking and savings accounts with SunTrust Bank. This means that cardholders have the potential to earn up to 1.25% cash back on all purchases.

2. Low Introductory APR on Balance Transfers

If you have credit card debt that you would like to transfer to the SunTrust Prime Rewards Credit Card, you can take advantage of the low introductory APR offer. For the first 15 months after opening your account, you will only be charged a 3% balance transfer fee and have 0% APR on balances transferred. This feature can help you save money on interest while paying off your debt.

3. No Annual Fee

Many credit cards charge an annual fee for cardholders to use their services, but the SunTrust Prime Rewards Credit Card does not. This means that you can enjoy all of the card's benefits without having to pay a yearly fee.

4. Welcome Bonus

To give new cardholders an extra boost, SunTrust offers a welcome bonus for signing up for the Prime Rewards Credit Card and meeting certain spending requirements within the first three months of account opening. These bonuses may vary, so be sure to check the current offer when applying.

5. Cash Back Redemption Options

The rewards earned with the SunTrust Prime Rewards Credit Card can be redeemed in a variety of ways. Cardholders can choose to receive their cash back as a statement credit, deposit it into one of their SunTrust checking or savings accounts, or redeem it for gift cards or travel. This flexibility allows cardholders to use their rewards in the way that best suits them.

6. Travel Benefits

Speaking of travel, the SunTrust Prime Rewards Credit Card offers several benefits for those who enjoy traveling. These include no foreign transaction fees, trip cancellation/interruption insurance, and lost luggage reimbursement. Plus, with the Mastercard network, cardholders have access to exclusive offers and experiences while traveling.

7. Purchase Benefits

In addition to travel benefits, this credit card also provides protection for purchases made with the card. This includes extended warranty protection, price protection, and purchase assurance, which can provide peace of mind when making big-ticket purchases.

8. Digital Wallet Compatibility

The SunTrust Prime Rewards Credit Card is compatible with various digital wallets, including Apple Pay, Google Pay, and Samsung Pay. This allows for quick and secure payments using your smartphone or other devices, making shopping even more convenient.

9. SunTrust Online and Mobile Banking

Cardholders can easily manage their credit card account through SunTrust's online and mobile banking platforms. These tools allow for easy access to account information, payment options, and transaction history, making it simple to stay on top of your finances.

Conclusion

Overall, the SunTrust Prime Rewards Credit Card offers a well-rounded package of benefits for cardholders. From its rewards program to its travel and purchase protections, this credit card is designed to help individuals make the most out of their purchases while also providing convenience and security. If you have good to excellent credit and are looking for a versatile and rewarding credit card, the SunTrust Prime Rewards Credit Card may be worth considering. So why wait? Apply now and start enjoying the benefits today!