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BB&T Credit Cards

BB&T’s credit cards are known for often having impressive 0% introductory APR periods, easy-to-understand cashback rewards programs, and popular features such as no annual fee. They issue cards that cater to personal cardholder needs and those of businesses alike. Compare our selection of BB&T cards below.


April 17, 2019

BB&T
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Visa
  • Annual Fee  None
  • Regular Purchase APR  13.49% to 22.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 15 months from account opening date
  • Balance Transfer APR  13.49% to 22.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • 0% introductory annual percentage rate for 15 months on purchases and balance transfers
  • • Earn cash back with BB&T Deals
  • • Zero liability unauthorized purchase protection
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for 15 months from account opening date
     Regular Purchase APR: 13.49% to 22.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months from account opening date
     Balance Transfer APR: 13.49% to 22.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 3% of each advance ($10 minimum)
     Cash Advance APR: 24.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: 3% or $10 minimum on transactions greater than $10
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $38
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

April 17, 2019

BB&T
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Processing Network
Visa
  • Annual Fee  $19
  • Regular Purchase APR  19.49% variable based on the Prime Rate
  • Balance Transfer APR  19.49% variable based on the Prime Rate
  • Cash Advance APR  24.49% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • Build your credit as you pay for your purchases
  • • Earn cash back with BB&T Deals
  • • Earn interest on your security deposit in a BB&T Secured Credit Card Savings account
  • • Visa® Zero Liability unauthorized purchase protection
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 19.49% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 19.49% variable based on the Prime Rate
     Balance Transfer Transaction Fee: 3% of each advance ($10 minimum)
     Cash Advance APR: 24.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: 3% or $10 minimum on transactions greater than $10
     Penalty APR: N/A
     Annual Fee: $19
     Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency and any transaction made in U.S. dollars that is processed outside of the United States
     Late Payment Penalty Fee: Up to $38
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

April 17, 2019

BB&T
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  15.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Get 3% cash back on gas, 2% cash back on utilities and groceries, and 1% cash back on all other qualifying purchases
  • • Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account
  • • 0% introductory Annual Percentage Rate for 12 months on purchases and balance transfers
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months from account opening date
     Balance Transfer APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 3% of each advance ($10 minimum)
     Cash Advance APR: 24.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: 3% or $10 minimum on transactions greater than $10
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency and any transaction made in U.S. dollars that is processed outside of the United States
     Late Payment Penalty Fee: Up to $38
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

April 16, 2019

BB&T
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Processing Network
Visa
  • Annual Fee  $125, waived annually with BB&T Wealth Division advisor-assigned relationship at time of account opening
  • Regular Purchase APR  12.4% variable based on the Prime Rate
  • Balance Transfer APR  12.4% variable based on the Prime Rate
  • Cash Advance APR  15.4% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • Earn 1.5% cash rewards for each dollar you spend on net qualified purchases
  • • Redeem rewards earned in any way you choose. Enjoy cash back, travel, entertainment, charitable contributions and more
  • • The $125 annual fee is waived for BB&T Wealth clients assigned to a Wealth advisor; There are no foreign transaction, cash advance, balance transfer, late payment or exceeding credit limit fees
  • • Exclusive benefits including complimentary travel and shopping discounts at participating retailers
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 12.4% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 12.4% variable based on the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 15.4% variable based on the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: N/A
     Annual Fee: $125, waived annually with BB&T Wealth Division advisor-assigned relationship at time of account opening
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: None
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

April 16, 2019

BB&T
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Processing Network
Visa
  • Annual Fee  $0 for the first 12 months, $49 afterwards
  • Regular Purchase APR  14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 2 miles per $1 on air/hotel/car rentals and 1 mile per $1 on all other net qualified purchases
  • • Earn 20,000 bonus miles for $2,000 spent in first 90 days
  • • Annual fee waived the first year, $49 afterward
  • • No foreign transaction fees
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 4% of each advance ($10 minimum)
     Cash Advance APR: 26.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: 4% of each advance ($10 minimum)
     Penalty APR: Up to 27.40% variable based on the Prime Rate
     Annual Fee: $0 for the first 12 months, $49 afterwards
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: $39
     Over Limit Penalty Fee: $39
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

April 16, 2019

BB&T
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 9 months from account opening date
  • Balance Transfer APR  14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Get 3% cash back on gas, 2% cash back at restaurants and office supply stores, and 1% cash back on all other eligible purchases
  • • 0% introductory annual percentage rate for 9 months on purchases
  • • Redeem your rewards into your BB&T business deposit account for an additional 10% bonus; Redeem your rewards for cash back, statement credits, gift cards, travel and more
  • • Get no-cost employee cards
Rates & Fees
     Intro Purchase APR: 0% for 9 months from account opening date
     Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 4% of each advance ($10 minimum)
     Cash Advance APR: 26.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: 4% of each advance ($10 minimum)
     Penalty APR: Up to 27.40%
     Annual Fee: None
     Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency and any transaction made in U.S. dollars that is processed outside of the United States
     Late Payment Penalty Fee: $39
     Return Payment Penalty Fee: $39
     Over Limit Penalty Fee: $39
     Minimum Deposit Required: None
     Credit Needed: Excellent , Good

April 16, 2019

BB&T
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  12.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  12.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • 0% introductory APR for 12 months on purchases, no annual fee
  • • Manage your card activity easily through BB&T Credit Card Connection
  • • Get overdraft protection on up to two business deposit accounts
  • • Get no-cost employee cards
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 12.49% to 21.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 12.49% to 21.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 4% of each advance ($10 minimum)
     Cash Advance APR: 26.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: 4% of each advance ($10 minimum)
     Penalty APR: Up to 27.40% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency and any transaction made in U.S. dollars that is processed outside of the United States
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: $39
     Over Limit Penalty Fee: $39
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

April 16, 2019

BB&T
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Processing Network
Visa
  • Annual Fee  $89
  • Regular Purchase APR  21.49% variable based on the Prime Rate
  • Balance Transfer APR  21.49% variable based on the Prime Rate
  • Cash Advance APR  24.49% variable based on the Prime Rate
  • Credit Needed  No Credit Required


Best Benefits
  • • Earn 2X miles on air/hotel/car rentals and 1X miles on all other qualifying purchases; earn unlimited miles
  • • Earn 20,000 bonus miles when you spend $2,000 in the first 90 days
  • • Get an $85 credit for TSA Pre✓ or Global Entry
  • • No foreign transaction fee
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 21.49% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 21.49% variable based on the Prime Rate
     Balance Transfer Transaction Fee: 3% of each advance ($10 minimum)
     Cash Advance APR: 24.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: 3% or $10 minimum on transactions greater than $10
     Penalty APR: None
     Annual Fee: $89
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $38
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: None
     Credit Needed: No Credit Required

January 25, 2019

BB&T
Learn More
Processing Network
Visa
  • Annual Fee  $19
  • Regular Purchase APR  21.49% variable based on the Prime Rate
  • Balance Transfer APR  21.49% variable based on the Prime Rate
  • Cash Advance APR  24.49% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • Get 3% cash back on gas, 2% cash back on utilities and groceries, and 1% cash back on all other qualifying purchases
  • • Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account
  • • Enjoy flexible rewards you can use for cash back, statement credit, gift cards and more
  • • Get customizable card control features in U by BB&T®
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 21.49% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 21.49% variable based on the Prime Rate
     Balance Transfer Transaction Fee: 3% of each advance ($10 minimum)
     Cash Advance APR: 24.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: 3% or $10 minimum on transactions greater than $10
     Penalty APR: None
     Annual Fee: $19
     Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency and any transaction made in U.S. dollars that is processed outside of the United States
     Late Payment Penalty Fee: Up to $38
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: None
     Credit Needed: Poor , No Credit Required

January 25, 2019

BB&T
Learn More
Processing Network
Visa
  • Annual Fee  $0 for the first 12 months, and $89 afterwards
  • Regular Purchase APR  15.49% to 24.49% variable based creditworthiness and the Prime Rate
  • Balance Transfer APR  15.49% to 24.49% variable based creditworthiness and the Prime Rate
  • Cash Advance APR  24.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 2X miles on air/hotel/car rentals and 1X miles on all other qualifying purchases (unlimited miles available)
  • • Earn 20,000 bonus miles when you spend $2,000 in the first 90 days ($200), get an $85 credit for TSA Pre? or Global Entry
  • • No annual fee for the first year, and $89 thereafter
  • • No foreign transaction fee
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 15.49% to 24.49% variable based creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 15.49% to 24.49% variable based creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 3% of each advance ($10 minimum)
     Cash Advance APR: 24.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: 3% or $10 minimum on transactions greater than $10
     Penalty APR: N/A
     Annual Fee: $0 for the first 12 months, and $89 afterwards
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $38
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

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