We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

This page may include: credit card ads that we may be paid for (“advertiser listing”); and general information about credit card products (“editorial content”). Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. We have partnerships with advertisers such as Brex, Capital One, Chase, Citi, Wells Fargo and Discover. We also include editorial content to educate consumers about financial products and services. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.

For more information, please see How we make money.

You’re Running Out of Time for the Suntrust Debit Card

  • Million Mile Secrets

    • Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full advertising policy: How we make money.

    Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

    Delta Points wrote that soon may no longer be able to get the SunTrust Delta Skymiles Debit Card.

    And today, View From the Wing, writes that the SunTrust debit card is no longer available on the Suntrust website!  But there still might be a way to get the card.  This is the best card to pay your taxes with because you pay only ~$3 for up to $35,000 in tax payments which earn ~35,000 Delta miles!

    SunTrust Delta Debit Card: Are Its Days Numbered?

    The card is being phased out quickly, but you still may be able to get one by calling Suntrust at 877-809-5248 for a personal debit card or 888-454-0611 for a business debit card.  But hurry if you want one!

    What’s the SunTrust Delta SkyMiles Debit Card?

    Link:   SunTrust Delta SkyMiles Debit Card

    Link:   My review of the SunTrust Delta SkyMiles Debit Card

    The SunTrust Delta SkyMiles Debit Card earns Delta Airlines miles for debit transactions.  You earn 1 Delta mile per $1 on all signature & PIN transactions.

    There are some purchases that can’t be made with a credit card, so this is a good alternative if you want to earn Delta miles on mortgage payments, student loans, certain bill payments, money orders, or paying taxes.  Or if you can’t (or won’t) get a miles-earning credit card, like the AMEX Gold Delta Skymiles (check your targeted offer for a potentially better offer), AMEX Delta Platinum, or AMEX Delta Reserve.

    $2.79 Could Earn you ~35,000 Delta Miles by Paying Your Taxes With the Delta Suntrust Card

    I wrote about this card back when the sign-up bonus was 25,000 to 30,000 Delta miles.  But now, the sign-up bonus is only 5,000 miles, which isn’t very good.

    But since some folks are now limited in how they can pay bills that don’t accept a credit card (because of the demise of Vanilla Reloads at CVS), this might be a good option for them.

    How Do You Get the Card?

    To apply for the card, you must have a SunTrust checking account (but not all types of accounts qualify).  Depending on the type of account, you may have to pay monthly maintenance fees of $12 to $25, unless you keep a minimum balance each month.

    Only Certain SunTrust Accounts Are Eligible for the Delta Debit Card

    If you live in an area without SunTrust branches, you may be able to open an account by chatting online with a SunTrust representative.  Or, you can call Suntrust at 877-809-5248 for a personal card or 888-454-0611 for a business card (this is currently the best way to get the card).

    Some folks on this FlyerTalk thread report not being able to get an account, or having their account shut down because they don’t live in a state with SunTrust branches.  But others say they’ve not had any issues.

    There’s no online application form for the card any more – you have to apply over the phone or in person once you have an account.  You’ll have to decide if you want the personal or business version of the card.

    The personal version gives you:

    The business version has a higher annual fee and earns fewer points per $1 you spend!  You’ll get:

    What’s the Card Good For?

    I would NOT get this card just for the sign-up bonus.  Paying $75 to $120 per year, plus possible monthly account maintenance fees between $12 and $25 is NOT worth it for only 5,000 Delta miles.

    1.   Bills

    But, if you have a lot of expenses that can’t be paid with a credit card, this card could be worth it.  You could go to the Walmart Money Center and use the BillPay feature to pay student loans, car loans, mortgage, or utilities.  Or if you need to send someone a money order, you could pay with the card!

    2.   Money Orders

    Some folks buy money orders with the Suntrust debit card and then deposit those money back in their account.  They earn Delta miles for buying the money orders for a very small fee!

    Buying & depositing Money Orders in large denominations could arouse suspicion, so be careful.

    You Can Pay Bills or Buy Money Orders at Walmart With the Card

    3.   Taxes

    Another great use of the card is to pay your taxes.  You pay only ~$3 for a Federal tax payment of up to $35,000 (which earns 35,000 Delta miles).  This is much better than paying an ~2% fee for using a credit card to pay your taxes!

    Note that the card has a daily limit of $35,000 per day.  Giving you 35,000 miles for a $3 fee is certainly unprofitable for Suntrust, so it isn’t surprising that they are getting rid of the Delta debit card!

    Bottom Line

    The SunTrust Delta Debit Card may soon no longer be offered, but existing cardholders will get to keep their card.

    The sign-up bonus on this card is only 5,000 miles, and you have to 1st apply for a checking account with SunTrust.  Then you’ll pay monthly maintenance fees of up to $25 and an annual fee of $75 to $120.  So I wouldn’t rush to get the card just for the sign-up bonus.

    But if you’re looking for a way to earn miles on loans and bills that can’t be paid with a credit card, this card might be a good option for you.  Or if you have a lot of taxes to pay, this is one of the best cards to use!

    This won’t last long, but you can apply for the card by calling Suntrust at 877-809-5248 for a personal debit card or 888-454-0611 for a business debit card.

    Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)