Having SunTrust activate my card was a lot easier than I’d thought. You can activate yours in minutes, too.
Does Suntrust Credit Cards Have a Payment Grace Period?
Yes, SunTrust credit cards offer a grace period of 25 days after each billing cycle to pay the balance in full without incurring interest.
If you fail to pay your full balance by the due date, you will lose the grace period.
This means that any new purchases will start accruing interest immediately from the transaction date until you regain the grace period by paying your full balance on time for one billing cycle.
SunTrust Bank Card Offers
| Credit Card Offer | Annual Fee | Introductory APR | Regular APR | Cashback Rewards | Sign-Up Bonus | Additional Benefits |
|---|---|---|---|---|---|---|
| SunTrust Cash Rewards Credit Card | $0 | 0% for first 15 months on purchases and balance transfers | 11.24% – 21.24% | 5% on gas and grocery purchases for the first 12 months (up to $6,000), then 2% on gas and groceries; 1% on all other purchases | None | Monthly FICO score access, travel assistance, phone protection |
| Truist Enjoy Cash Credit Card | $0 | 0% for first 12 months | 19.99% – 28.99% | Up to 3% cashback in selected categories (e.g., groceries, gas) | $100 after spending $500 in first 3 months | Access to online banking tools, purchase protection |
| Truist Travel Rewards Credit Card | $0 | 0% for first 12 months | 19.99% – 28.99% | Earn miles on every purchase; bonus miles for travel-related purchases | None | Travel insurance, no foreign transaction fees |
How To Activate SunTrust Debit Card
The first thing you should do is take a good look at your debit card. Make sure that your name is on it and that it’s spelled correctly. Also, make sure you look at the effective date to learn if it’s the right time to activate it.
The effective date is typically in the month that you opened your account with the bank.
After you’ve completed the necessary checking, you can pick between these two methods of activation:
1. Activation Over The Phone
Most customers opt to activate their SunTrust card over the phone because it’s both quick and convenient.
All I needed to do to have SunTrust activate my card was call them at 1-800-337-1140, their debit card customer support number.
After you call the number, you will need to choose a language. You cannot skip this step.
Then, you will need to provide your details.
Typically, customers are asked to only state their name, date of birth, and full address.
You will then need to dial in some details to complete the activation process. Make sure you keep the card handy since you will need to enter all 16 digits of the debit card number and also the CVV to proceed further.
After you enter all the details correctly, the customer support representative will inform you that your card has been activated.
2. Online Activation
While I could have SunTrust activate my card online, I found the process slightly lengthy, so I opted to do it over the phone. However, if you find it more convenient, there’s no harm in activating your card over the phone.
Navigate to the SunTrust website, and enter your username and password.
Post logging in, you will be asked to enter your name and address. You will also need to enter your date of birth.
On the next screen, you must enter your 16-digit SunTrust debit card number and its CVV. After you choose your card type, you must click on the “Card Activation” button.
And that’s it, your debit card will then be activated.
Post-activating the card, make a purchase or withdraw some money from an ATM to ensure it’s working correctly. If you face any issues, you can call the same number and get them resolved.
Remember to peel off the activation sticker from the front of the card after you complete the process.
How To Activate SunTrust Credit Card
- Visit the Truist Website: Go to the official Truist website.
- Log In: Use your online banking user ID and password to log in.
- Find Activation Option: Look for the “Activate Card” option on your account dashboard.
- Enter Card Details: Your credit card number, expiration date, and CVV.
- Follow the Instructions to finalize the activation.
Activating a SunTrust credit card is also super easy.
After you get your hands on your card, visit www.suntrust.com/activatemycard. You will need to enter both personal and card information, post which your card will be activated.
If you have any questions or run into any problems, you can call 1-800-SUNTRUST toll-free between 8 am to 6 pm on weekdays to request a resolution.
If you opened your account more than a week ago and haven’t received your card, make sure you call up SunTrust and report it.
Alternatively, you could also visit your nearest SunTrust branch and report your issue.
If you have any other queries, you can reach SunTrust’s customer support team at 800.786.8787.
