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Delta SkyMiles® Debit Card Legal Disclosure


The Delta SkyMiles World Debit Card is available with all Signature Advantage®, SunTrust Advantage and SunTrust Exclusive Checking accounts. The Delta SkyMiles Business Debit Card is available for all business checking accounts except for Primary Business Checking.

Annual Fee: The Delta SkyMiles World Debit Card Annual Fee is charged 45 days after the open date of the card and is based on the Sum of Balances on the last business day of the prior month. “Sum of Balances” includes total deposits in the Signature Advantage or SunTrust Advantage Checking accounts PLUS statement linked SunTrust deposit accounts (checking, savings, money market, or CDs), Trust accounts and IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. Annual Fee tiers are defined as follows: a) Sum of Balances of less than $25,000 is charged an annual fee of $95 b) Sum of Balances of $25,000 and less than $100,000 is charged an annual fee of $75 and c) Sum of Balances of $100,000 or more is charged an annual fee of $25. Annual fee will be calculated at the end of the month prior to the annual fee being charged. For clients of the SunTrust Premier Program, a reduced fee of $25 will apply. For SunTrust Private Wealth Management Clients1 & SunTrust Exclusive Checking Account holders, the annual fee will be discounted to $0. For cards opened before July 25, 2015 and not associated with a Signature Advantage account, the annual fee is $95. The reduced annual fee for certain client segments applies regardless of deposit account type. For clients whose relationship segment changes, the annual fee will be adjusted upon the next annual fee billing date. The annual fee for the Delta SkyMiles Business Debit Card is $120.

Earning Miles: The Delta SkyMiles World Debit Card issued with a SunTrust Advantage Checking account earns 1 mile per $2 for PIN Point of Sale and signature-based qualifying purchases. The Delta SkyMiles World Debit Card issued with a SunTrust Exclusive Checking account earns 1 mile per $1 for PIN Point of Sale and signature-based qualifying purchases. The Delta SkyMiles World Debit Card issued with a Signature Advantage account earns 1 mile per $1 for PIN Point of Sale and signature-based qualifying purchases. The Delta SkyMiles Business Debit Card earns 1 mile per $2 for PIN Point of Sale and signature-based qualifying purchases. Bonus miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. For consumer cards opened before July 25, 2015 and not associated with a Signature Advantage account, the Delta SkyMiles World Debit Card earns 1 mile per $2 for PIN Point of Sale and signature-based qualifying purchases. SunTrust may report the value of any reward received through any offer to the Internal Revenue Service as required by law. Any applicable taxes are the responsibility of the recipient. Any claims for missing or incorrect miles calculation must be made within 6 months of the date of the transaction(s) in question.

Earning Additional Miles on Direct Delta Purchases with the Delta SkyMiles World Debit Card: The Delta SkyMiles World Debit Card issued with SunTrust Advantage earns 1 additional mile for $2 in direct Delta purchases. Delta SkyMiles Debit Cards issued with SunTrust Exclusive Checking accounts and Signature Advantage Checking earn 1 additional mile per $1 for direct Delta purchases.

Earning Additional Miles on Direct Delta Purchases with the Delta SkyMiles Business Debit Card: The Business Delta SkyMiles Debit Card earns 1 additional mile per $2 for direct Delta purchases.

Delta purchases are eligible purchases where Delta is the merchant of record, such as purchases via delta.com, phone reservations, or ticket counters, such as upgrades, miles, seat selection, Delta Sky Club® membership or passes, and pre-purchased meals, and in-flight purchases of food, alcoholic beverages and audio headsets, on Delta-operated flights. Eligible purchases do not include any other in-flight purchases, such as in-flight wireless internet access, associated services, and charitable contributions. Delta purchases include Delta Vacation® packages but not other all-inclusive packages. Delta purchases include purchases of qualifying Delta, Delta Connection® carrier and Delta Shuttle® flights taken with the purchase of a fare that is eligible for SkyMiles mileage
credit. Additional miles earned for Delta flight purchases made with the Delta SkyMiles Debit Card will be based on Additional miles earned for Delta flight purchases made with the Delta SkyMiles Debit Card will be based on the total ticket price, including base fare, carrier-imposed surcharges and government-imposed taxes and fees.

To review the full Terms and Conditions for Delta SkyMiles® Debit Cards, click here.