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BB&T Bright Credit Card

BB&T Bright Credit Card

0% APR on Purchases and Balance Transfers for 15 Months

BB&T Bright Credit Card
  • Regular Purchase APR 11.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 22.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months from account opening date
  • Processing Network Visa
Best Benefits
  • 0% introductory APR 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: 11.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 11.24% to 20.24% variable based on 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
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $38

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At a Glance

If you’re planning a large purchase in the near future or have a hefty balance to transfer, the BB&T Bright Credit Card is an attractive credit card option to consider. Featuring no annual fee and 0% APR for an incredible 15 months on both purchases and balance transfers, it’s easy to see why this card is popular for people with good to excellent credit.

Ideal for Those Who:

  • Want a balance transfer card with a 15-month, 0% APR period
  • Will be making a big buy soon and want to avoid interest payments for 15 months
  • Do not want to pay annual fees, over-limit penalty fees, or return payment fees

BB&T Bright Credit Card Review

Emergency situations, impulse purchases, and over-generosity during the holiday season can spell disaster for anyone with a high APR credit card, that is unless you have the BB&T Bright Credit Card in hand. With it, you’ll be able to carry a balance for up to 15 months with no interest, giving you the time you need to recover financially. As card members receive Visa Signature purchase protection benefits despite it not being a Visa Signature card (such as extended warranties and Visa’s® Zero Liability unauthorized purchase protection), it’s also a smart tool for cautious consumers to use.

The BB&T Bright Credit Card carries no penalty APR, which is great for keeping your interest rates low should you happen to not make a payment as scheduled. Speaking of low rates, it also foregoes many of the small fees that quickly add up when using other cards, including over-limit penalty fees and return payment fees. If you’ll be carrying a balance from month to month, the math on this credit card simply adds up.