Rating: 4 Stars
Bottom Line:
Travel Rewards for Southeastern U.S. Residents
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 |
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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