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BB&T Credit Cards

BB&T’s credit cards are known for often having impressive 0% introductory APR periods, easy-to-understand cashback rewards programs, and popular features such as no annual fee. They issue cards that cater to personal cardholder needs and those of businesses alike. Compare a selection of BB&T cards from our partners below.

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BB&T Bright Credit Card

0% APR on Purchases and Balance Transfers for 15 Months

  • Regular Purchase APR 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for 15 months from account opening date
  • Balance Transfer APR 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • 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: 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 15 months from account opening date
  •  Balance Transfer APR: 12.74% to 21.74% 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: 23.74% 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: None
  •  Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  •  Late Payment Penalty Fee: Up to $38
  •  Credit Needed: Excellent , Good

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BB&T Bright Secured Credit Card

Build Credit with Everyday Purchases

  • Regular Purchase APR 18.74% variable based on the Prime Rate
  • Balance Transfer APR 18.74%variable based on the Prime Rate
  • Cash Advance APR 23.74% 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: 18.74% variable based on the Prime Rate
  •  Balance Transfer APR: 18.74%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: 23.74% 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 Needed: Poor , No Credit Required

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BB&T Spectrum Cash Rewards Credit Card

3% Cash Back + 0% APR for 12 Months

  • Regular Purchase APR 14.74% to 23.74% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for 12 months from account opening date
  • Balance Transfer APR 14.74% to 23.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • 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: 14.74% to 23.74% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 months from account opening date
  •  Balance Transfer APR: 14.74% to 23.74% 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: 23.74% 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: None
  •  Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  •  Late Payment Penalty Fee: Up to $38
  •  Credit Needed: Excellent , Good

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BB&T Vantage® Visa Signature® Credit Card

Earn 1.5% Cash Back

  • Regular Purchase APR 11.65% variable based on the Prime Rate
  • Balance Transfer APR 11.65% variable based on the Prime Rate
  • Cash Advance APR 14.65% 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: 11.65% variable based on the Prime Rate
  •  Balance Transfer APR: 11.65% variable based on the Prime Rate
  •  Cash Advance APR: 14.65% 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

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BB&T Spectrum Travel Rewards for Business Credit Card

Earn 2X Miles on Travel Purchases and 20,000 Bonus Miles

  • Regular Purchase APR 13.74% to 22.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.74% to 22.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.74% 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: 13.74% to 22.74% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 13.74% to 22.74% 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: 25.74% 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 27.15% 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 Needed: Excellent , Good

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BB&T Spectrum Cash Rewards for Business Credit Card

Earn Up to 3% Cash Back on Business Purchases

  • Regular Purchase APR 13.74% to 22.74% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for 9 months from account opening date
  • Balance Transfer APR 13.74% to 22.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • 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: 13.74% to 22.74% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 13.74% to 22.74% 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: 25.74% 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 26.90% variable
  •  Annual Fee: None
  •  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 Needed: Excellent , Good

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BB&T Bright for Business Credit Card

0% Intro APR for 12 Months

  • Regular Purchase APR 11.74% to 20.74% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for 12 months from account opening date
  • Balance Transfer APR 11.74% to 20.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • 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: 11.74% to 20.74% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 11.74% to 20.74% 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: 25.74% 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 26.90 % variable based on the Prime Rate
  •  Annual Fee: None
  •  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 Needed: Excellent , Good

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BB&T Spectrum Travel Rewards Secured Credit Card

Earn 2X Miles on Travel

  • Regular Purchase APR 20.74% variable based on the Prime Rate
  • Balance Transfer APR 20.74% variable based on the Prime Rate
  • Cash Advance APR 23.74% 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: 20.74% variable based on the Prime Rate
  •  Balance Transfer APR: 20.74% 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: 23.74% 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 Needed: No Credit Required

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BB&T Spectrum Cash Rewards Secured Credit Card

Earn Up to 3% Cash Back

  • Regular Purchase APR 20.74% variable based on the Prime Rate
  • Balance Transfer APR 20.74% variable based on the Prime Rate
  • Cash Advance APR 23.74% 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: 20.74% variable based on the Prime Rate
  •  Balance Transfer APR: 20.74% 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: 23.74% 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 Needed: Poor , No Credit Required

BB&T
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BB&T Spectrum Travel Rewards Credit Card

Earn 2X Miles on Travel

  • Regular Purchase APR 14.74% to 23.74% variable based creditworthiness and the Prime Rate
  • Balance Transfer APR 14.74% to 23.74% variable based creditworthiness and the Prime Rate
  • Cash Advance APR 23.74% 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: 14.74% to 23.74% variable based creditworthiness and the Prime Rate
  •  Balance Transfer APR: 14.74% to 23.74% 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: 23.74% 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 Needed: Excellent , Good

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