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The SunTrust Business Cash Rewards Credit Card has a unique offer of an elevated 5% cash back rate on office supplies and fuel. This bonus applies to the first $2,000 you spend every month, for your first 12 months. With a baseline of 3% cash back, you could be earning a bonus of up to $480. That’s an incredibly lucrative welcome offer, especially coming from a card that doesn’t cost anything to carry. See our list for more cash back credit cards such as the Ink Business Unlimited® Credit Card.
With the SunTrust Business Cash Rewards card, you get a loyalty cash bonus of up to 50% if you redeem your rewards into a SunTrust bank account. Unfortunately, if you don’t already bank with the issuer, your company must be in a state where SunTrust operates in order to apply.
*Check out SunTrust Bank bonuses for Checking & Savings accounts.
INK BUSINESS UNLIMITED® CREDIT CARD
The Ink Business Unlimited® Credit Card from Chase offers a $750 bonus (75,000 Ultimate Rewards points) when you spend $7,500 within the first 3 months of account opening. This card has no annual fee.
Get unlimited flat 1.5% Cash Back rewards on every purchase with this card. There are no categories to keep up with.
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards. You can pool your rewards with other Ultimate Rewards Cards (e.g. Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card). Pair it with one of these cards, use the available transfer partners, and 750k Ultimate Rewards points can be worth up to $1,500 in value.
SunTrust Business Cash Rewards Card 5% Bonus Cash Back Offer
Most cash back cards offer a cash bonus if you spend a certain amount within 90 days. The SunTrust Business Cash Rewards card doesn’t have this type of introductory offer. Instead, it gives you an elevated cash back rate of 5% for up to $2,000 spent a month on office supply and fuel purchases. This bonus applies to the first 12 months from opening your account.
The SunTrust Business Cash Rewards card normally offers 3% on office supplies and fuel, so you essentially receive a bonus of 2%. By taking full advantage of the welcome offer, you’ll get an extra $480 on top of base rewards.
Earning SunTrust Cash Rewards
After you’ve reached the $2,000 monthly limit – and after your first 12 months – you’ll get 3% cash back on office supplies and fuel with no caps or restrictions. All other spending earns unlimited 1% cash back.
Redeeming SunTrust Cash Rewards
Despite what its name implies, SunTrust cash rewards can be used a number of ways:
- Statement credits
- Direct deposits
- Travel
- Experiences
- Gift cards
- Merchandise
For the best value, redeem your rewards for direct deposits into a SunTrust account (more on that below). Keep in mind, these have a $5 minimum redemption.
SunTrust Loyalty Cash Bonus
With SunTrust Loyalty Cash Bonus, the more you have in your deposit accounts, the bigger the bonus when you redeem your rewards directly into a SunTrust account.
| Deposit Accounts | Consumer Deposits & Investment Balances | Loyalty Cash Bonus |
| SunTrust Checking SunTrust Savings SunTrust Money Market | N/A | 10% |
| SunTrust Advantage Checking SunTrust Signature Advantage Checking SunTrust Exclusive Checking | $25,000 – $100,000 | 25% |
| SunTrust Advantage Checking SunTrust Signature Advantage Checking SunTrust Exclusive Checking | $100,000+ | 50% |
| SunTrust Premier Program SunTrust Private Wealth Mangement | N/A | 50% |
A 10% Loyalty Cash Bonus on $100 in base cash rewards would earn a $10 bonus. So the total in cash rewards earned would be $110.
SunTrust Business Cash Rewards Card Availability
If you don’t already bank with SunTrust, the Business Cash Rewards card is limited to within the issuer’s network. That includes:
- Alabama
- Arkansas
- Florida
- Georgia
- Maryland
- Mississippi
- North Carolina
- South Carolina
- Tennessee
- Virginia
- Washington, D. C.
- West Virginia
Otherwise, you’ll need to consider other credit card options.
Bottom Line
Does your company spend a lot on office supplies and fuel? If you already have a banking relationship with SunTrust, the Business Cash Rewards card is a good option. With an extremely generous introductory offer, a 3% cash back rate on office supply and fuel purchases, and a loyalty boost, you’re bound to find a lot value out of this business rewards card. And the kicker? It doesn’t cost anything to carry.
But if your company spending covers a wide range of categories, consider a flat-rate cash back business card instead.
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