SunTrust Business Cash Rewards Credit Card review

SunTrust Business Cash Rewards Credit Card review

Updated: May 8, 2020
Updated: May 8, 2020
Ratings Policy
Business Rating:
2.8 rating
2.8 rating
2.8 / 5
Rewards Value1.2
Annual Percentage Rate0.5
Rewards Flexibility3.8
Customer Experience1.0

In a Nutshell:

This business card offers unbeatable flexibility with no preset credit limit and solid, business-friendly cash rewards.

Rewards Rate

  • 3% cash back on gas and office supply purchases (up to a maximum of $500 in spending per billing period)
  • 1% cash back on general purchases
  • 10% to 25% bonus for SunTrust deposit accountholders

Sign-up Bonus
5% cash back on first $2,000 worth of gas and office supply purchases each billing cycle for 12 months


Annual Fee


Average Yearly Rewards Value ($4,000 monthly spend)




Rewards Redemption

  • No expiration on cash
  • Redeem for statement credit, check or bank deposit


  • Must wait until end of closing period to redeem rewards
  • $500 annual spending limit on bonus rewards
  • A minimum of $25 cash back can be redeemed
Very Good

Customer Experience

  • Consumer Reports rating: 84 (79% of issuers ranked higher)
  • 24/7 customer service?: No
  • Online chat available?: No
  • Google Play Store mobile app rating: 4.2/5
  • Apple Store mobile app rating: 4.1/5

Other Notable Features: No preset spending limit, complimentary employee cards, business-friendly online financial tools, extended warranty, purchase assurance, emergency travel assistance, car rental insurance, roadside assistance, identity-theft protection, overdraft protection, concierge service, automatic shopping rebates

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If you need maximum flexibility with your spending, a decent interest rate and substantial cash rewards, the SunTrust Business Cash Rewards Credit Card is hard to beat. The SunTrust business card offers some of the strongest cash rewards for cardholders who spend a lot on gas and office supplies.

The SunTrust also offers a rare amount of flexibility with no preset spending limits on both primary and employee cards – a major perk when you have multiple employees charging to the same account.

Significant cash back for highly mobile businesses

If you or your employees spend a lot of time on the road – or if you have a large office and spend a substantial amount on office supplies – the SunTrust Business Cash Rewards Credit Card is a good card to have in your wallet. The card offers 3 percent cash back on gas and office supply purchases, and 1 percent cash back on everything else. (A points version of the SunTrust card is also available, but it’s significantly less generous.)

The 3 percent spending bonus only applies to the first $500 you spend per billing period. So if you’re an especially heavy spender, you may feel limited by how much you can earn. However, even with the bonus limit, you can still take home an extra $180 a year – on top of the 1 percent earnings you receive for other purchases.  If you have a deposit account with SunTrust Bank, you can take home even more. Cardholders are awarded an additional 10 to 25 percent bonus if their earnings are deposited in a qualifying account.

Small sign-up bonus

The SunTrust Business Cash Rewards Credit Card currently includes a sign-up offer that boosts the bonus rate up to 5 percent on the first $2,000 spent on gas and office supplies each month. Once you surpass the $2,000 spending threshold, the rate drops down to 3 percent for each category for the remainder of the month. This offer extends to the first 12 months of card membership and could equate to a substantial amount of cash back by the end of the year, especially if you spend more than average in either of these categories.

Flexible spending

Aside from its rewards program, the most unique feature offered by the SunTrust Business Cash Rewards Credit Card is its flexible spending limit, which is hard to find on a credit card. Rather than limit you with a preset amount of credit, the SunTrust Business Cash Rewards Credit Card ensures that you or your employees won’t run out of credit when you need it by allowing you to charge as much as you need. The SunTrust Business Cash Rewards Credit Card also offers a lengthy zero percent APR on purchases, which is a rare find for a business card. Cardholders are given up to a year to make interest-free purchases. By contrast, most business cards only offer a maximum of six months.

Decent APR

Once the card’s promotional period expires, the SunTrust Business Cash Rewards Credit Card’s standard interest rate is also relatively affordable for the market average. Cardholders with the best credit scores are charged 14.24 percent to carry a balance, while other cardholders are charged a maximum rate of 21.24 percent.

Good perks

Like many business cards, the SunTrust Business Cash Rewards Credit Card also offers a number of business-friendly benefits that make shopping and travel less of a hassle. For example, the card offers standard credit card perks such as car rental insurance and travel emergency assistance. It also offers automatic rebates on qualifying purchases through the MasterCard Easy Savings Program.

Why get the SunTrust Business Cash Rewards Credit Card?

  • Your company spends a lot on gas or office supply purchases.
  • You plan to charge a large amount and need a flexible spending limit..
  • You’re already a SunTrust bank customer or plan to become one and so are eligible for the card’s maximum rewards.

How to use the SunTrust Business Cash Rewards Credit Card:

  • Use your card for all gas and office supply purchases.
  • Deposit your earnings in a SunTrust deposit account in order to maximize earnings.
  • Pay close attention to your charges as you go. The SunTrust card’s zero credit limit policy can tempt you into charging more business expenses than you can afford.

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