THIS PAGE MAY CONTAIN AFFILIATE LINKS. MEANING WE RECEIVE COMMISSIONS FOR PURCHASES MADE THROUGH THOSE LINKS, AT NO COST TO YOU. PLEASE READ OUR DISCLOSURE FOR MORE INFO.
Credit Shout may collect a share of sales or other compensation from the links on this page.
Verdict: The SunTrust Visa Signature Card is a solid entry in the rewards card category. Depending on the strength of your credit, your purchase interest rate will be low. Even better, this card comes with no annual fee. You also have the option of earning points with your SunTrust check card as a way to boost the amount of rewards points you can generate.
Overview: The SunTrust Visa Signature Card works best for those consumers who also have a checking account with SunTrust Bank. By using both the credit card and a SunTrust check card, consumers can significantly add to their monthly rewards points.
How This Card Works: You’ll earn rewards points with every purchase you charge on your SunTrust Visa Signature Card. You can then redeem these points for gift cards, cash-back bonuses, sporting goods, home accessories, airline miles and electronics.
Travel and Shopping Benefits: You’ll earn one SunTrust Point for every dollar you charge wiht your SunTrust Visa Signature Card. If you have a SunTrust checking account and check card, you’ll earn an additional SunTrust Point for every $4 of purchases that you make with your check card. SunTrust allows you to combine your check card and credit card points, something that allows you to build up your rewards points at a quicker rate.
Fees: The purchase interest rate on this card depends largely on your credit score. If your score is low enough, you can qualify for a purchase interest rate of 11.99 percent. The card also comes with a 0 percent introductory interest rate for all balance transfers. This introductory rate remains in place for 12 months. There is no annual fee. Cash-advance fees cost $10 or 3 percent of the advance amount, whichever is higher, while late fees run as high as $39.
- Solid rewards program.
- Can redeem rewards points for several items.
- No annual fees.
- Few additional perks in addition to rewards program.
- Need SunTrust check card to boost earnings of rewards points.