SunTrust Business Cash Rewards Credit Card 5% Bonus Cash Back Offer ($480 Value)

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.

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.

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.

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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.

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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.

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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:

Otherwise, you’ll need to consider other credit card options.

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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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