BB&T Bright Visa Card
in Personal Credit Cards from BB&T
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Would you recommend BB&T Bright Visa Card to your friends?
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 13.49% - 22.49% |
| Balance Transfer APR (Variable APR) | 13.49% - 22.49% |
| Credit Score Range | 750 - 850 |
BB&T Bright Visa Card Review
BB&T Bright Visa Card is a credit card issued by BB&T.
This card is for people with very good credit. You need a credit score of at least 750 to apply. If you're wondering whether BB&T Bright Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.
| The Good | The Bad |
|---|---|
|
|
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Is there a BB&T Bright Visa Card cash back or rewards program?
No, BB&T Bright Visa Card does not offer a rewards program.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus Spend Requirement | $0 |
What are the BB&T Bright Visa Card benefits?
BB&T Bright Visa Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for BB&T Bright Visa Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. BB&T Bright Visa Card has lower than average purchase APRs.BB&T Bright Visa Card has a variable purchase APR that ranges from 13.49% up to 22.49%. The card has a variable balance transfer APR that ranges from 13.49% up to 22.49%. It also has a variable cash advance APR starting at 24.49% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does BB&T Bright Visa Card have an introductory APR offer?
Yes, BB&T Bright Visa Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.
| Description | |
|---|---|
| Balance Transfer APR | 13.49% - 22.49% |
| Introductory Rate | 0% |
| Intro APR period (months) | 15 |
| Description | |
|---|---|
| Balance Computation | average daily balance (including new purchases) |
| Purchase APR | 13.49% - 22.49% |
| Credit Limit | N/A |
| Penalty APR | 0% |
| Cash Advance APR | Starting at 24.49% |
| Introductory Rate | 0% |
| Intro APR period (months) | 15 |
What are the BB&T Bright Visa Card fees?
The following fees apply to BB&T Bright Visa Card:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $10 |
| Late Payment Fee | $38 |
Does BB&T Bright Visa Card have a foreign transaction fee?
BB&T Bright Visa Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.Does BB&T Bright Visa Card report your account activity to credit bureaus?
BB&T Bright Visa Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
How to apply for BB&T Bright Visa Card
- Visit the BB&T Bright Visa Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
110 S. Stratford Rd.
Winston Salem, NC 27104 USA - (336) 733-3300
- Visit Site
Other Services by BB&T
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 25 |
| Over-Limit Fee | $0 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee Minimum | $10 |
| Cash Advance Fee (%) | Starting at 3% |
| Cash Advance Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 3% |
| Late Fee Amount | $38 |
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Rating not yet determined
Annual Fee
$89
Purchase APR
15.49% - 24.49%
Balance Transfer APR
15.49% - 24.49%
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
15.49% - 24.49%
Balance Transfer APR
15.49% - 24.49%
Credit Score Range
740 - 850
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