SunTrust Prime Rewards Mastercard

SunTrust Prime Rewards Mastercard

SunTrust Prime Rewards Credit Card balance transfer offer of 3 years at prime interest rate (currently 5.50%) with NO balance transfer fee is unmatched anywhere else.

Most banks offer introductory rates of 0% APR, but for a much shorter time frame and with transfer fees of 3% or more.

Importantly the funds must be transferred within the first 60 days of account opening.

As an alternative to a balance transfer SunTrust offers a whopping $100 statement credit when new account holders spend $500 on qualifying purchases within the first 3 months with their new card.

Be very careful not to mix credit card purchases with the transfers, because transfers may be treated as purchases and subject to the purchase interest rates.

The Prime Rewards cards earns 1% rewards on eligible purchases, with a redemption bonus for SunTrust accounts.

Introductory Offer
  • Prime interest rate on balance transfers for 3 years from account opening. Currently 5.50%, but check here for updates.
  • $100 in statement credit after $500 spend on qualifying purchases during the first 3 months after account opening
Rewards
  • Get one point for every eligible $1 spent on your credit card
  • Flexible rewards redemption options
    • Travel
    • Merchandise
    • Retail Gift Cards
    • Cash ($5 minimum)
      • Statement credit
      • Direct deposit to checking or saving accounts
      • SunTrust accounts receive 10%, 25%, or 50% bonus
Interest Rates as Annual Percentage Rate (APR)
  • Purchases paid in full within 25 days of statement date: 0%
  • Balances on statements after 25 days: 13.49% to 23.49%
  • Balance Transfers: 13.49% to 23.49%
  • Cash Advances: 27.24%
Fees
  • Annual Fee: none
  • Balance transfers: 3% ($10 min)
  • Cash Advances: 4% ($10 min)
  • Foreign transaction: none
  • Late penalty: $39
Free Benefits
  • Zero-liability on unauthorized use of the card
  • Card lock if it’s lost or stolen
  • EMV Chip Technology
  • Enroll in automatic payment feature to avoid late charges
  • Text or email alerts on purchases, balances, due dates, and more
  • Add authorized users for free, but they don’t pay for their charges
  • Free FICO score
Guide to SunTrust World Mastercard® Cardholder Benefits
  • Warranty extension where applicable
  • Auto collision waiver damage
  • Travel and emergency assistance (service fees may apply)
  • Travel accident insurance
  • Roadside assistance
  • 24/7 customer service

For application and important details visit the SunTrust Prime Rewards card web page.

For people not familiar with the Atlanta origins of SunTrust, in 1919 as Trust Company of Georgia, it provided underwriting services to The Coca-Cola Company and received $100,000 of the company’s first publicly traded stock for its services.

In 2012 SunTrust sold those shares for nearly $2 billion: its stake went up in value by 1,999,990% over those 93 years.

A little known fact was the secret formula for Coca-Cola was kept in a SunTrust vault until 2011, when it was transferred to the new World of Coca-Cola building in Atlanta, Georgia.
SunTrust Coca-Cola vault

VeraBank World Mastercard

VeraBank Credit Card

Originally established as the Citizens National Bank, today VeraBank is dedicated to serve as the preferred financial services provider in its marketplace.

With its deep community bank roots and independent spirit, VeraBank offers

  • outstanding service
  • relevant products and efficient channels
  • the best and brightest bankers in its communities

Ultimate customer satisfaction and care sets VeraBank from the others, as explained by the guiding principles established from its very inception.

In the old days in this part of the country, if you had a cow, a sow, and a hen, you could survive.

From the cow came the milk and butter; from the sow the bacon, lard, and hams; and from the hen, eggs.

As East Texas became more and more affluent, we reminded ourselves and our customers – “Don’t forget the cow, the sow, and the hen.”

cow, sow, hen

Read the terms and benefits below carefully to judge whether the VeraBank Mastercard should be part of your financial well-being.

Introductory Offer
  • 2.90% APR on purchases and balance transfers during the first 6 months
Rewards
  • Get one point for every eligible $1 spent on your credit card
  • Flexible Rewards Options
    • Travel
    • Cash
    • Merchandise
    • Retail Gift Cards
Interest Rates as Annual Percentage Rate (APR)
  • Purchases paid in full within 25 days of statement date: 0%
  • Balances on statements after 25 days: 17.49%
  • Balance Transfers: 17.49%
  • Cash Advances: 17.49%
Fees
  • Annual Fee: none
  • Balance transfers: 3% ($10 min)
  • Cash Advances: 3% ($10 min)
  • Foreign transaction: 2%
  • Late penalty: $25
Free Benefits
  • Zero-liability on unauthorized use of the card
  • Card lock if it’s lost or stolen
  • Enroll in automatic payment feature to avoid late charges
  • Text or email alerts on purchases, balances, due dates, and more
  • Add authorized users for free, but they don’t pay for their charges
  • Warranty extension where applicable
  • Auto collision waiver damage
  • Travel and emergency assistance (service fees may apply)
  • Travel accident insurance
  • Roadside assistance
  • 24/7 customer service

For application and important details visit the VeraBank credit card web page.

 

Sony Credit Card with 5% Entertainment Rewards

Sony Rewards Credit Card Earn 5 Sony Reward Points on entertainment purchases such as digital streaming and subscription services, music and video downloads, and more with the Sony Card.

Meant for heavy-duty online entertainments users and die-hard Sony customers, the Sony Card doesn’t as well as other general purpose cashback cards.

The Sony Reward Points can only be redeemed for Sony products, so it’s great to add to your Sony collection, but not much else.

But if you love to get Sony gear such as headphones and other electronics at a discount then this card is built for you.

To redeem the Sony Rewards, per the disclosure form, the cardholder must join the Sony Rewards program.

“You must register for the Sony Rewards Program in order to redeem points earned through your Sony CardSM account. Membership in the Sony Rewards Program is free.”

TERMS AND BENEFITS

Introductory Offers

  • 5,000 bonus Sony Reward Points (as $50 statement credit) with your first purchase within 90 days of opening account
  • 0% APR on purchases and balance transfers for the first 6 months

Interest Rates as Annual Percentage Rate (APR)

  • Purchases paid in full within 25 days of statement date: 0%
  • Balances on statements after 25 days: 16.24%, 19.24%, 22.24% or 24.99%
  • Balance Transfers: 16.24%, 19.24%, 22.24% or 24.99%
  • Cash Advances: 25.24%

Fees

  • Annual Fee: none
  • Balance transfers: none after introductory 0% APR period (3% at 0% APR)
  • Cash Advances: 3% ($10 min)
  • Foreign transaction: none
  • Late penalty: $38

Sony Rewards

  • 5 points per $1 on Sony® purchases at authorized retailers, that is must submit a Bonus Points Form
  • 5 points per $1 qualified entertainment purchases for:
  • Cable/satellite and other pay TV/radio/subscription services
  • Music downloads
  • Concert and sporting tickets
  • Digital streaming and other subscription services
  • Movie theaters and on movie rentals
  • Theater tickets
  • 1 point per $1 automatically on all other purchases

Free Benefits for purchases made on Sony Card (Visa)

  • Zero-liability on unauthorized use of the card
  • Card lock if it’s lost or stolen
  • Pay with smartphone instead of plastic card using Google Pay and Capital One enhanced with sureswipe identity confirmation
  • Pick your own monthly billing due date
  • Enroll in automatic payment feature to avoid late charges
  • Text or email alerts on purchases, balances, due dates, and more
  • Paribus to check for savings if online prices are lower elsewhere
  • Eno intelligent assistant
  • CreditWise for free credit scores and important changes
  • Add authorized users for free, but they don’t pay for their charges
  • Virtual account numbers for online purchases, which help keep card numbers safe from theft
  • Warranty extension where applicable
  • Auto collision waiver damage
  • Travel and emergency assistance (service fees may apply)
  • Travel accident insurance
  • Roadside assistance
  • 24/7 customer service

Capital One is a proud participant in the Servicemembers Civil Relief Act (SCRA) which provides financial relief and protections to eligible military personnel serving on active duty.

A couple of the reduced and/or eliminated credit card expenses that SCRA covers for accounts serviced by Capital One are:

  • A maximum interest rate of 4%
  • No fees assessed on accounts, except bona-fide insurance

For details and application visit the online Sony Card from Capital One page.

Simmons Visa Card

simmons visa card
No frills credit card

Simmons Bank Visa Card features no annual fee, low-interest rate and no fees on balance transfers.

A simple no-frills everyday credit card for people who want to keep their finances as simple as possible without the headaches of dealing with mega-banks.

Features

  • Annual Fee: None
  • Purchase and balance transfer APR: 10.50%
  • Balance Transfer Fee: None
  • Cash advance APR: 14.50%
  • Balance Transfer Fee: 3%
  • Grace period: 25 days
  • Foreign purchase transaction fee: 2%
  • Use your card anywhere VISA is accepted for purchases
  • Get up to $1,000,000 travel accident insurance at no additional cost
  • Car rental coverage
  • 24/7 customer service representatives on call
  • $0 fraud liability protection on unauthorized use of card
  • Chip-secured technology

For details and application visit the Simmons Bank Visa Card web page.