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Best BB&T Credit Cards

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

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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

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

BB&T Spectrum Cash Rewards Card Review

BBT-Spectrum-Cash-Rewards-Card

Rating: 5 Stars

Bottom Line:
For Southeastern U.S. Residents to Get Cash Back On Gas, Utilities, and Groceries

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:14.99% – 23.99% (Variable)
Intro APR (Purchases):0% for 12 months
Intro APR (Balance transfers):0% for 12 months
Rewards Rate:Get 3% cash back on gas

2% cash back on utilities and groceries

1% cash back on all other qualifying purchases
Credit Needed:(740 – 850) Excellent
Annual Fee:$0
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Get 3% cash back on gas and 2% cash back on utilities and groceries for the first $1,000 in combined purchases between gas, utilities, and groceries. Get 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
  • 0% introductory Annual Percentage Rate (APR) for 12 months on purchases and balance transfers
  • Variable APRs ranging from Prime + 9.99% to Prime + 18.99%; current rates are 14.99% to 23.99%
  • No annual fee

Is BB&T Spectrum Cash Rewards Card worth it?

BB&T Spectrum Cash 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 cash back on monthly expenses and have the option to pay off debt and finance purchases. This card offers 3% cash back on gas and 2% cash back on utilities and groceries for $1,000 in combined purchases between gas, utilities, and groceries. The Intro APR is 0% on purchases and balance transfers for 12 months.

Pros

  • 0% Intro APR for 15 months on balance transfers
  • 0% Intro APR for 15 months on purchases
  • No annual fee
  • No Penalty APR

Cons

  • Foreign transaction fee
  • 3% cash back is only for gas, 2% cash back is only for utilities and groceries – cards from nationwide issuers can offer more 3% and 2% categories or 1.5% ? 2% flat-rate cash back across all categories

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee3%
Balance Transfer Fee3% of the amount of each cash advance or $10, whichever is greater
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 Cash Rewards Card

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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Balance Transfer Credit Cards, Best BB&T Credit Cards, Best Cash Back Credit Cards, Best Credit Cards For Big Purchases, Best Credit Cards For Emergencies, Best Credit Cards For Excellent Credit, Best Credit Cards For Extended Warranties, Best Credit Cards For Groceries, Best Credit Cards For Paying Bills, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Roadside Assistance, Best Gas Credit Cards, Best No Annual Fee Credit Cards, Best No Interest Credit Cards, Best Visa Credit Cards, Other

BB&T Bright Card Review

BBT-Bright-Credit-Card

Rating: 5 Stars

Bottom Line:
For Southeastern U.S. Residents to Pay off Debt and Finance Purchases

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:12.99% – 21.99% (Variable)
Intro APR (Purchases):0% for 15 months
Intro APR (Balance transfers):0% for 15 months
Rewards Rate:Based on purchases you made, offers are available in the “U by BB&T” portal from participating retailers, including AT&T, Chili?s, DirectTV, Jamba Juice, PetSmart, Sears, Sephora and Starbucks.
Credit Needed:(740 – 850) Excellent
Annual Fee:$0
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Enjoy Visa’s Zero Liability unauthorized purchase protection
  • Earn money easily with BB&T Deals. Log in to U by BB&T, pick a deal, shop with your credit card and earn cash back
  • Take advantage of travel and emergency assistance services and auto rental collision damage waiver
  • No annual fee

Is BB&T Bright Card worth it?

BB&T Bright 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 transfer a balance to save on interest or finance a purchase. This card offers 0% APR for 15 months for balance transfers and purchases.

Pros

  • 0% Intro APR for 15 months on balance transfers
  • 0% Intro APR for 15 months on purchases
  • No annual fee
  • No Penalty APR

Cons

  • Foreign transaction fee
  • There is not a rewards rate with this card and the rewards program is not great

Why 5 Stars?

Regular APR


5 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee3%
Balance Transfer Fee3% of the amount of each cash advance or $10, whichever is greater
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 and Emergency Assistance
Get Started with BB&T Bright Card

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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Balance Transfer Credit Cards, Best BB&T Credit Cards, Best Credit Cards For Big Purchases, Best Credit Cards For Emergencies, Best Credit Cards For Excellent Credit, Best Credit Cards For Extended Warranties, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Travel Insurance, Best No Annual Fee Credit Cards, Best No Interest Credit Cards, Best Purchase Protection Credit Cards, Best Visa Credit Cards

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