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BB&T Spectrum Travel Rewards Credit Card
BB&T Spectrum Travel Rewards Credit Card
- 13.24% to 22.24% variable based creditworthiness and the Prime Rate Regular Purchase APR
- 13.24% to 22.24% variable based creditworthiness and the Prime Rate Balance Transfer APR
- 22.24% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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 value), get an $85 credit for TSA PreCheck or Global Entry
- No annual fee for the first year, and $89 thereafter
- No foreign transaction fee
- Regular Purchase APR: 13.24% to 22.24% variable based creditworthiness and the Prime Rate
- Balance Transfer APR: 13.24% to 22.24% variable based creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 22.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $0 for the first 12 months, and $89 afterwards
- Late Payment Penalty Fee: Up to $38
- N/A
BB&T Spectrum Cash Rewards Secured Credit Card
BB&T Spectrum Cash Rewards Secured Credit Card
- 19.24% variable based on the Prime Rate Regular Purchase APR
- 19.24% variable based on the Prime Rate Balance Transfer APR
- 22.24% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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®
- Regular Purchase APR: 19.24% variable based on the Prime Rate
- Balance Transfer APR: 19.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 22.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $19
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- N/A
BB&T Spectrum Travel Rewards Secured Credit Card
BB&T Spectrum Travel Rewards Secured Credit Card
- 19.24% variable based on the Prime Rate Regular Purchase APR
- 19.24% variable based on the Prime Rate Balance Transfer APR
- 22.24% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2X miles on air/hotel/car rentals earn
- 1X miles on all other qualifying purchases
- Get an $85 credit for TSA Pre Check or Global Entry
- No foreign transaction fee
- Earn 20,000 bonus miles when you spend $2,000 in the first 90 days
- Regular Purchase APR: 19.24% variable based on the Prime Rate
- Balance Transfer APR: 19.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 22.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $89
- Late Payment Penalty Fee: Up to $38
- N/A
BB&T Bright for Business Credit Card
BB&T Bright for Business Credit Card
- 10.24% to 19.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 10.24% to 19.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 24.24% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 10.24% to 19.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 10.24% to 19.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 24.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 25.15% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- Over Limit Penalty Fee: $39
- N/A
BB&T Spectrum Cash Rewards for Business Credit Card
BB&T Spectrum Cash Rewards for Business Credit Card
- 12.24% to 21.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 12.24% to 21.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 24.24% variable based on the Prime Rate Cash Advance APR
- 0% for 9 months from account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Intro Purchase APR: 0% for 9 months from account opening date
- Regular Purchase APR: 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 24.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 25.15% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $39
- Return Payment Penalty Fee: $39
- Over Limit Penalty Fee: $39
- N/A
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BB&T Credit Cards
BB&T is a bank and credit card issuer with a variety of card products for those with excellent credit. The bank also provides a wide selection of credit cards for those new to credit – including secured travel and cash rewards cards and student cards.
BB&T and SunTrust joined forces in late 2019 to form Truist Bank. Together, the brands operate over 2,000 branches across 15 U.S. states.
BB&T Credit Card Rewards Guide
BB&T Rewards is the loyalty program for BB&T credit cards. While the program isn’t as lucrative as American Express Membership Rewards or Chase Ultimate Rewards, BB&T Spectrum Rewards does provide value for those who bank with BB&T and have additional products through the bank.
How to Earn Rewards
BB&T Rewards points are earnable through BB&T Spectrum Rewards cards. BB&T Spectrum Cards that earn rewards include:
- BB&T Spectrum Travel Rewards Credit Card
- BB&T Spectrum Cash Rewards Credit Card
- BB&T Vantage® Visa Signature® Credit Card
- BB&T Spectrum Travel Rewards Secured Credit Card
- BB&T Spectrum Cash Rewards Secured Credit Card
- BB&T Spectrum Cash Rewards for Business Credit Card
- BB&T Spectrum Travel Rewards for Business Credit Card
BB&T credit cards earn one point for every dollar spent on purchases, with special categories earning additional points. These categories include travel (airfare, hotels, and car rentals), utilities, groceries, or other purchases.
Do Rewards Expire?
Reward points from BB&T do expire, unlike rewards from other programs. BB&T points expire five years after the date of their issuance.
How Much are BB&T Reward Points Worth?
BB&T Rewards points have a value of one cent per point. The best value for money, however, comes with hotel bookings and airfare, which provides additional value. The one-cent-per-point valuation, therefore, refers to many other redemption options – particularly cash back, charitable donations, and gift cards.
How to Redeem Points
BB&T Rewards apply to the typical types of awards options, including:
- Cash back
- Charitable donations
- Gift cards
- Merchandise
- Travel
While BB&T Rewards points are worth one cent, certain BB&T credit cards offer enhanced value. The BB&T Spectrum Travel Rewards Card, for instance, earns double miles on airfare, hotels, and car rentals. Additionally, according to BB&T, redeeming for hotel stays with the Spectrum Travel Rewards Card offers 75% more value to reward points.
BB&T Branches
BB&T Bank offers branches and ATM services at the following locations:
FAQs About BB&T Bank
Have questions about banking services with BB&T or Truist? Here you’ll find an ever-updating list of common questions about BB&T, as well as answers:
BB&T Bank’s ABA routing number depends on the state where you opened your account. Below are the routing numbers for BB&T in different states:
- Alabama: 0622-0398-4
- District of Columbia: 0540-0154-7
- Florida: 2631-9138-7
- Georgia: 0611-1341-5
- Indiana: 0839-7428-9
- Kentucky: 0839-0068-0
- Maryland: 0550-0330-8
- New Jersey: 0312-0471-0
- North Carolina: 0531-0112-1
- Ohio: 0421-0226-7
- Pennsylvania: 0313-0912-3
- South Carolina: 0532-0160-7
- Tennessee: 0642-0816-5
- Texas: 1110-1769-4
- Virginia: 0514-0426-0
- West Virginia: 0515-0339-4
Yes and no. BB&T and SunTrust merged to form Truist, but both companies still operate under the previous names, for now.
BB&T stands for Branch Banking & Trust Co.
Yes. You can call BB&T customer service through BB&T Phone24, 24 hours a day, seven days a week, at 1-800-BANK-BBT (1-800-226-5228).
If you need to talk to a live agent in BB&T customer service, dial 1-800-226-5228. Wait until the automated voice prompts you to say your questions and say “Agent” instead.
Browse the Top BB&T Credit Cards
Trying to find your ideal BB&T or Truist Credit Card? BestCards.com has over 900 comprehensive and reviews to help a card perfect for you. Browse hundreds of card offers from leading credit card issuers – big and small – from across the U.S. Check out our reviews, grow your financial knowledge with our essential news and advice resources, and use our card comparison tool. Ready to start? Let’s get your best card today!
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.