Checking accounts do not usually carry rewards. If you would like to earn cash back, miles, hotel reward points, or other perks, you’ll want to apply for a credit card account. Depending on your bank, you may be able to participate in programs like SunTrust rewards, but the real high value credit card rewards are found with credit cards from Mastercard, Visa, American Express and Discover. You can earn signup bonuses that can be cashed in for round-trip airline tickets, gift cards to your favorite retailers, and hotel bonus points that enable you to take a luxury vacation on a budget. These credit cards can be applied for online, without being a member of any specific bank. You’ll get a decision within seconds or minutes, in most cases.