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Ad Disclosure

BB&T Spectrum Travel Rewards Credit Card Review

BB&T Spectrum Travel Rewards

Rating: 4 Stars

Bottom Line:
Travel Rewards for Southeastern U.S. Residents

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

TABLE OF CONTENTS

  • Card Details
  • Offer Highlights
  • Is BB&T Spectrum Travel Rewards Credit Card worth it?
  • Pros
  • Cons
  • Why 4 Stars?
  • Regular APR
  • Intro APR
  • Fees
  • Perks
  • Overall
  • Fees
  • Benefits

Card Details

Regular APR:14.99% – 23.99% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:Earn 2x miles on air/hotel/car rentals

Earn 1x miles on all other qualifying purchases (unlimited miles available)
Credit Needed:(740 – 850) Excellent
Annual Fee:$0 for first year, then $89 after that
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • 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)
  • Miles are worth 75% more in value when redeemed for hotel stays
  • Get an $85 credit for TSA Pre or Global Entry
  • Use your annual $50 airline incidental credit toward check bag fees, in flight purchases, and more
  • Variable APRs ranging from Prime + 9.99% to Prime + 18.99%; current rates are 14.99% to 23.99%
  • No annual fee for the first year, and $89 thereafter
  • No foreign transaction fee

Is BB&T Spectrum Travel Rewards Credit Card worth it?

BB&T Spectrum Travel Rewards Card is a great card for people in the BB&T service area – this is most of the Southeastern U.S. excluding Florida – who want to earn travel rewards. This card offers 2x miles on air/hotel/car rentals.

Pros

  • Earn 2x miles on air/hotel/car rentals
  • Miles are worth 75% more in value when redeemed for hotel stays
  • No foreign transaction fee
  • No Penalty APR

Cons

  • Travel is limited to air/hotel/car rentals – cards that are from national or global banks earn travel rewards on one or more of the following: parking garages, taxis, trains, and cruises, in addition to air/hotel/car rentals.

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% of each advance ($10 minimum)
Cash Advance Fee3% or $10 minimum on transactions greater than $10
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Emergency Assistance
Extended Warranty Program
Travel Accident Insurance
Travel Assistance
Get Started with BB&T Spectrum Travel Rewards

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Best BB&T Credit Cards, Best Credit Cards For Emergencies, Best Credit Cards For Excellent Credit, Best Credit Cards For Extended Warranties, Best Credit Cards For Global Entry, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Travel Insurance, Best Credit Cards To Book Flights, Best No Foreign Transaction Fee Credit Cards, Best Travel Credit Cards, Best Visa Credit Cards

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