BB&T Spectrum Cash Rewards Credit Card

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Last updated on November 2nd, 2021

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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, including fraud alerts, Visa’s Zero Liability Policy for unauthorized purchases, and credit score monitoring provided by Equifax®.

Should You Apply for the BB&T Spectrum Cash Rewards Credit Card?

The BB&T Spectrum Cash Rewards Credit Card is an excellent cash back credit card for everyday bills. Sure, utilities and groceries don’t jump off the page like travel, gas, or dining would, but these are expenses everyone has – and things everyone would love to save money on.

The fact that the Spectrum Cash Rewards provides 3% back on those two categories is impressive, making it among the better cash back cards for no annual fee. Add on a decent 0% intro APR on both purchases and balance transfers and a very competitive rate after that, and you have a versatile card that ticks many of the right boxes.  

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