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Date Reviewed: April 17, 2019
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
Date Reviewed: April 17, 2019
BB&T Bright Secured Credit Card
- Regular Purchase APR 17.24% variable based on the Prime Rate
- Balance Transfer APR 17.24% variable based on the Prime Rate
- Cash Advance APR 22.24% variable based on the Prime Rate
- Annual Fee $19
- Credit Needed Poor , No Credit Required
- Processing Network Visa
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
Date Reviewed: April 17, 2019
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
Date Reviewed: April 16, 2019
BB&T Vantage® Visa Signature® Credit Card
- 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 Needed Excellent
- Processing Network Visa
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
Date Reviewed: April 16, 2019
BB&T Spectrum Travel Rewards for Business Credit Card
- 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
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
Date Reviewed: April 16, 2019
BB&T Spectrum Cash Rewards for Business Credit Card
- 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
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: Up to 25.15% variable
- 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
Date Reviewed: April 16, 2019
BB&T Bright for Business Credit 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
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: Up to 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
Date Reviewed: April 16, 2019
BB&T Spectrum Travel Rewards Secured Credit Card
- Regular Purchase APR 19.24% variable based on the Prime Rate
- Balance Transfer APR 19.24% variable based on the Prime Rate
- Cash Advance APR 22.24% variable based on the Prime Rate
- Annual Fee $89
- Credit Needed No Credit Required
- Processing Network Visa
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
Date Reviewed: January 25, 2019
BB&T Spectrum Cash Rewards Secured Credit Card
- Regular Purchase APR 19.24% variable based on the Prime Rate
- Balance Transfer APR 19.24% variable based on the Prime Rate
- Cash Advance APR 22.24% variable based on the Prime Rate
- Annual Fee $19
- Credit Needed Poor , No Credit Required
- 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
- 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
Date Reviewed: January 25, 2019
BB&T Spectrum Travel Rewards Credit Card
- 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
- Cash Advance APR 22.24% variable based on the Prime Rate
- Annual Fee $0 for the first 12 months, and $89 afterwards
- Credit Needed Excellent , Good
- Processing Network Visa
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
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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 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, it does provide value for those who bank with BB&T and have additional products through the bank.
How to Earn BB&T 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 BB&T 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.
Browse the Top BB&T Credit Cards of 2020
Trying to find your ideal BB&T or Truist Credit Card? BestCards.com has over 800 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!
