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BB&T Spectrum Cash Rewards Credit Card

BB&T Spectrum Cash Rewards Credit Card

3% Cash Back + 0% APR for 12 Months

BB&T Spectrum Cash Rewards Credit Card
  • Regular Purchase APR 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.24% to 22.24% 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 12 months from account opening date
  • Processing Network Visa
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: 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 13.24% to 22.24% 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

The BB&T Spectrum Cash Rewards Credit Card can quickly earn you cash back rewards on everyday purchases like gas and groceries, which can then be redeemed for statement credits, gift cards, and more.

Ideal for Those Who:

  • Enjoy earning cash back on qualifying purchases – 3% on gas, 2% on groceries and utilities, and 1% elsewhere
  • Are seeking a card with 0% intro APR on purchases and balance transfers for 12 months
  • Want numerous cash back reward redemption options

BB&T Spectrum Cash Rewards Credit Card Review

If you’re looking for a credit card with flexible cash back rewards categories and no annual fee, then the BB&T Spectrum Cash Rewards Credit Card is the way to go. Cardholders get 3% cash back on gas, 2% on utilities and groceries, and 1% on all other qualifying purchases, which is great to hear when you may not know what life has in store for you next. For those with BB&T checking or savings accounts, it will also be great to hear that you can earn an additional 10% bonus cash when depositing the rewards you’ve redeemed right back into your account.

Aside from unlimited cash back rewards earning potential, the BB&T Spectrum Cash Rewards Credit Card also offers new cardholders a 0% intro APR on purchases and balance transfers for the first 12 months you have the card. You won’t have to worry about shuffling around your spending habits to maximize earnings on qualified purchases with this card, granting peace of mind. The same can be said for its added security features, which includes fraud alerts, Visa’s Zero Liability Policy for unauthorized purchases, and credit monitoring provided by Equifax®.