BB&T Credit Cards, Reviews, and Advice

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BB&T Bright Credit Card

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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

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Terms & Conditions

Date Reviewed: November 02, 2021

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

Credit Card Deals

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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

Regular Purchase APR: 17.24% variable based on the Prime Rate
Balance Transfer APR: 17.24% 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
Minimum Deposit Required: $400

Credit Card Deals

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BB&T Spectrum Cash Rewards Credit Card

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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

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Terms & Conditions

Date Reviewed: November 02, 2021

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

Credit Card Deals

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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

Regular Purchase APR: 10.15% variable based on the Prime Rate
Balance Transfer APR: 10.15% variable based on the Prime Rate
Cash Advance APR: 13.15% variable based on the Prime Rate
Annual Fee: $125, waived annually with BB&T Wealth Division advisor-assigned relationship at time of account opening

Credit Card Deals

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BB&T Spectrum Travel Rewards for Business Credit Card

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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
Cash Advance APR 24.24% variable based on the Prime Rate
Annual Fee $0 for the first 12 months, $49 afterwards
Credit Needed Excellent , Good
Processing Network Visa

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: November 02, 2021

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

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: Up to 25.15% variable based on the Prime Rate
Annual Fee: $0 for the first 12 months, $49 afterwards
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: $39
Over Limit Penalty Fee: $39

Credit Card Deals

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BB&T Spectrum Cash Rewards for Business Credit Card

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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
Cash Advance APR 24.24% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 9 months from account opening date
Processing Network Visa

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: November 02, 2021

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: 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

Credit Card Deals

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BB&T Bright for Business Credit Card

Compare Card

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
Cash Advance APR 24.24% 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

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: November 02, 2021

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: 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

Credit Card Deals

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Best Benefits

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

Rates & Fees

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

Credit Card Deals

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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

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

Credit Card Deals

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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 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

Rates & Fees

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

Credit Card Deals

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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:

What is the routing number for BB&T Bank?

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:

Is BB&T now Truist?

Yes and no. BB&T and SunTrust merged to form Truist, but both companies still operate under the previous names, for now.

What does BB&T stand for?

BB&T stands for Branch Banking & Trust Co.

Does BB&T have 24-hour customer service?

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).

How do you speak with a live agent at BB&T?

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 of 2021

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!

Offer Details

About This Offer

Terms & Conditions

BB&T Credit Cards

BB&T Credit Card Rewards Guide

How to Earn Rewards

Do Rewards Expire?

How Much are BB&T Reward Points Worth?

How to Redeem Points

BB&T Branches

FAQs About BB&T Bank

Browse the Top BB&T Credit Cards of 2021