Last edit by: muji
Please don't delete this Wiki.
Some of us still earn Delta miles with this card or may want information about past or grandfathered terms and conditions.
Please do not spread panic about miles not posting until after the 10th of each month.
In most cases, miles post in the evening on the 5th of each month if it's a business day, or else the evening of the next business day. "Miles post for purchases made between (inclusive) 5th day of prior month to 4th day of current month."
__________________________________________________ ____________
Current offer (as of March 2017) is for just 5,000 miles.
https://www.suntrust.com/personal-ba...les-debit-card
Most current 25,000 offer was in-branch only, through May 9, 2016:
History of Recent Past Offers:
Changes as of 7/25/15 :
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If SunTrust closed your account, it would be great if you could share a little info about the account history.
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Some of us still earn Delta miles with this card or may want information about past or grandfathered terms and conditions.
Please do not spread panic about miles not posting until after the 10th of each month.
In most cases, miles post in the evening on the 5th of each month if it's a business day, or else the evening of the next business day. "Miles post for purchases made between (inclusive) 5th day of prior month to 4th day of current month."
__________________________________________________ ____________
Current offer (as of March 2017) is for just 5,000 miles.
https://www.suntrust.com/personal-ba...les-debit-card
Most current 25,000 offer was in-branch only, through May 9, 2016:
INTRODUCING YOUR NEW EVERYDAY GETAWAY CARD: THE SKYMILES® DEBIT CARD.
Ready for a one-of-a-kind debit card that actually rewards you? Here's one that deposits miles directly into your SkyMiles account. You can earn up to 25,000 bonus miles with the SkyMiles World Debit Card from SunTrust. What's more, when you use your Card for everyday purchases, the miles add up quickly — and they'll never expire.
Here's how it works:
• Present this email at your nearest branch, or call 1-800-650-7277 and mention this offer.
• Get 5,000 bonus miles when you open or upgrade to a new qualifying SunTrust Signature Advantage Checking account with a Delta SkyMiles Debit Card and make your first qualifying purchase. If you already have a Signature Advantage Checking account, ask to upgrade your debit card to a Delta SkyMiles Debit Card.
• Get an additional 20,000 promotional bonus miles when you make 20 qualifying purchases within the first 90 days of account opening.
Continue to earn miles just for using your Card:
• Earn 1 mile for every dollar spent on everyday purchases like groceries, gas and restaurant purchases.1 (up to 4,000 per Card monthly)
• Earn 2 miles per dollar on all direct Delta purchases including flights, Delta Sky Club® passes, in-flight purchases of food and beverages and more.1
• Apply your miles toward upgrades and Award Travel to more than 1,000 destinations worldwide2 on Delta and its partner airlines.
• $75 Annual Fee (reduced fee may apply, ask for details).1
Hurry — this incredible 25,000 bonus mile offer is only available until May 9, 2016.
VISIT YOUR LOCAL BRANCH
Ready for a one-of-a-kind debit card that actually rewards you? Here's one that deposits miles directly into your SkyMiles account. You can earn up to 25,000 bonus miles with the SkyMiles World Debit Card from SunTrust. What's more, when you use your Card for everyday purchases, the miles add up quickly — and they'll never expire.
Here's how it works:
• Present this email at your nearest branch, or call 1-800-650-7277 and mention this offer.
• Get 5,000 bonus miles when you open or upgrade to a new qualifying SunTrust Signature Advantage Checking account with a Delta SkyMiles Debit Card and make your first qualifying purchase. If you already have a Signature Advantage Checking account, ask to upgrade your debit card to a Delta SkyMiles Debit Card.
• Get an additional 20,000 promotional bonus miles when you make 20 qualifying purchases within the first 90 days of account opening.
Continue to earn miles just for using your Card:
• Earn 1 mile for every dollar spent on everyday purchases like groceries, gas and restaurant purchases.1 (up to 4,000 per Card monthly)
• Earn 2 miles per dollar on all direct Delta purchases including flights, Delta Sky Club® passes, in-flight purchases of food and beverages and more.1
• Apply your miles toward upgrades and Award Travel to more than 1,000 destinations worldwide2 on Delta and its partner airlines.
• $75 Annual Fee (reduced fee may apply, ask for details).1
Hurry — this incredible 25,000 bonus mile offer is only available until May 9, 2016.
VISIT YOUR LOCAL BRANCH
History of Recent Past Offers:
Changes as of 7/25/15 :
Balanced Banking (no longer available): 95a/f, 1mile/$2 up to 2000 miles, $3000 daily collected balance to avoid monthly fee
Signature Advantage: $75a/f, 1mile/$1 up to 4000 miles, $25000 daily collected balance to avoid monthly fee
Solid Choice: $95a/f, 2m/$1 up to 2000 miles, $5000 daily collected balance to avoid monthly fee
SunTrust has a list of items that aren't supposed to earn miles, but some do anyway: cash advances, cash back, ATM transactions, tax payments, payments for stored value cards, wire transfers, money transfers, money orders, cashier checks, quasi cash, travelers cheques, purchase of monetary instrumentsSignature Advantage: $75a/f, 1mile/$1 up to 4000 miles, $25000 daily collected balance to avoid monthly fee
Solid Choice: $95a/f, 2m/$1 up to 2000 miles, $5000 daily collected balance to avoid monthly fee
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If SunTrust closed your account, it would be great if you could share a little info about the account history.
----------------------------------------------------------
Truist (fka Suntrust) Skymiles Check Card [see WIKI for offers]
#2266
Join Date: Jun 2015
Posts: 26
Most folks I know (incl. myself) haven't gotten refunds. ST does not like you deposit MOs straight into their accounts by the way. I'd recommend depositing into a third bank and then transferring over to ST. Use a few credit unions. They are everywhere and if they close your account, who cares about the relationship? Better then to jeopardize your relationship with another big bank (i.e. BoA) that may have a product you want at some point in the future. But that is just my take.
#2268
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,948
I'm wondering: for those of you hitting this hard, are you getting declined at all? I've been doing quite a few MOs at 2k a pop, sometimes 2x/day. These are getting approved SO FAST. Usually it takes the machine about 30 seconds to approve me. These are, maybe, 2 seconds. Maybe the fraud dept is quicker b/c they know what we are doing and are just trying to get through the next few weeks. They are probably reading this thread! LOL Any concerns ST will claw back points? I know I've read of a case like that, but usually it's just a shut down. And since the whole thing is basically getting squashed, then maybe they just don't care anymore.
#2269
Join Date: Jan 2011
Programs: UA S, Marriott P
Posts: 1,154
one could conceive that this sentence in the new T&C is laying groundwork for a massive recall with "legal" standing to back it: Delta SkyMiles Debit Cards opened by members with a primary residence outside of the States listed above are subject to immediate closure, and any earned miles will be revoked.
#2270
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,948
one could conceive that this sentence in the new T&C is laying groundwork for a massive recall with "legal" standing to back it: Delta SkyMiles Debit Cards opened by members with a primary residence outside of the States listed above are subject to immediate closure, and any earned miles will be revoked.
#2271
Join Date: May 2014
Location: PWM
Programs: Delta PM
Posts: 822
Could get ugly.
Pretty certain the people at walmart think I'm a huge drug dealer/money launderer or something. I've told them many times I use MO's to pay my bills so I get skymiles but they don't seem to buy it LOL. The approval time (or decline) seems the same as always for me.
In any event, the new terms above do see the give them the ability to do what they want. WIll be interesting to see if anything happens. What about those who earned a lot of miles with this product and spent them already? Seems messy.
Pretty certain the people at walmart think I'm a huge drug dealer/money launderer or something. I've told them many times I use MO's to pay my bills so I get skymiles but they don't seem to buy it LOL. The approval time (or decline) seems the same as always for me.
In any event, the new terms above do see the give them the ability to do what they want. WIll be interesting to see if anything happens. What about those who earned a lot of miles with this product and spent them already? Seems messy.
#2272
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,948
Could get ugly.
Pretty certain the people at walmart think I'm a huge drug dealer/money launderer or something. I've told them many times I use MO's to pay my bills so I get skymiles but they don't seem to buy it LOL. The approval time (or decline) seems the same as always for me.
In any event, the new terms above do see the give them the ability to do what they want. WIll be interesting to see if anything happens. What about those who earned a lot of miles with this product and spent them already? Seems messy.
Pretty certain the people at walmart think I'm a huge drug dealer/money launderer or something. I've told them many times I use MO's to pay my bills so I get skymiles but they don't seem to buy it LOL. The approval time (or decline) seems the same as always for me.
In any event, the new terms above do see the give them the ability to do what they want. WIll be interesting to see if anything happens. What about those who earned a lot of miles with this product and spent them already? Seems messy.
#2273
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,948
I know ST doesn't like it when we deposit MOs, but I've got $4k and just need to unload them. I've already deposited the others elsewhere and need to move on. Should I wait till after July 25? Should I do in 2k @ 2x? Avoid ST for deposits 100%? I'm in a ST state and will be traveling to one next week. Should I do it here? There? I got a little ahead of myself.
#2274
Join Date: May 2014
Location: PWM
Programs: Delta PM
Posts: 822
I have read many times in this forum that ST doesn't like MO's deposited. I have never tried it (don't like in a ST state anyway). I purposely have a couple "dummy" accounts I use to deposit MO's at ATM's and then electronically sweep the money out back to ST.
My plan is to call ST on July 25th (after staging >25k in my acct) and asking to upgrade to the signature product that will allow 4k max per month. All I ever wanted was a VISA to earn Skymiles for places that don't accept amex. I am quite nervous they will close my account upon request as I do not live in a ST state. I hope not. I would think I'm a pretty good customer for them. I swipe my debit daily for minor purchases (my company cafe doesn't accept amex) and I keep a hefty balance. Fingers crossed.
My plan is to call ST on July 25th (after staging >25k in my acct) and asking to upgrade to the signature product that will allow 4k max per month. All I ever wanted was a VISA to earn Skymiles for places that don't accept amex. I am quite nervous they will close my account upon request as I do not live in a ST state. I hope not. I would think I'm a pretty good customer for them. I swipe my debit daily for minor purchases (my company cafe doesn't accept amex) and I keep a hefty balance. Fingers crossed.
#2275
Join Date: Sep 2011
Posts: 891
I have read many times in this forum that ST doesn't like MO's deposited. I have never tried it (don't like in a ST state anyway). I purposely have a couple "dummy" accounts I use to deposit MO's at ATM's and then electronically sweep the money out back to ST.
My plan is to call ST on July 25th (after staging >25k in my acct) and asking to upgrade to the signature product that will allow 4k max per month. All I ever wanted was a VISA to earn Skymiles for places that don't accept amex. I am quite nervous they will close my account upon request as I do not live in a ST state. I hope not. I would think I'm a pretty good customer for them. I swipe my debit daily for minor purchases (my company cafe doesn't accept amex) and I keep a hefty balance. Fingers crossed.
My plan is to call ST on July 25th (after staging >25k in my acct) and asking to upgrade to the signature product that will allow 4k max per month. All I ever wanted was a VISA to earn Skymiles for places that don't accept amex. I am quite nervous they will close my account upon request as I do not live in a ST state. I hope not. I would think I'm a pretty good customer for them. I swipe my debit daily for minor purchases (my company cafe doesn't accept amex) and I keep a hefty balance. Fingers crossed.
I am planning to do same, 4k/month or 48k/year is still better then nothing.
#2276
Join Date: Nov 2013
Posts: 77
I'm wondering: for those of you hitting this hard, are you getting declined at all? I've been doing quite a few MOs at 2k a pop, sometimes 2x/day. These are getting approved SO FAST. Usually it takes the machine about 30 seconds to approve me. These are, maybe, 2 seconds. Maybe the fraud dept is quicker b/c they know what we are doing and are just trying to get through the next few weeks. They are probably reading this thread! LOL Any concerns ST will claw back points? I know I've read of a case like that, but usually it's just a shut down. And since the whole thing is basically getting squashed, then maybe they just don't care anymore.
#2279
Join Date: May 2014
Location: PWM
Programs: Delta PM
Posts: 822
well... if we pretend skymiles are only worth 1 cent, earning 48000 per year = $480. Minus 75$ annual fee, there's your overall cost. Are there more lucrative points programs/banks to park 25k at? Yes. Do I still think it's worth it if Suntrust will have me? Yes. Will they terminate my relationship because I'm in a non ST state? I hope not, that seems like foolish business practice, especially if they have plugged the holes in this program.
#2280
Join Date: Apr 2005
Location: NYC
Posts: 1,756
well... if we pretend skymiles are only worth 1 cent, earning 48000 per year = $480. Minus 75$ annual fee, there's your overall cost. Are there more lucrative points programs/banks to park 25k at? Yes. Do I still think it's worth it if Suntrust will have me? Yes. Will they terminate my relationship because I'm in a non ST state? I hope not, that seems like foolish business practice, especially if they have plugged the holes in this program.