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 Fee	None
Balance Transfer Fee	3% of each advance ($10 minimum)
Cash Advance Fee	3% or $10 minimum on transactions greater than $10
Penalty APR	None

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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