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  BB&T Bright Visa Card

BB&T Bright Visa Card

in Personal Credit Cards from BB&T

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BB&T Bright Visa Card

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in Personal Credit Cards from BB&T

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 13.49% - 22.49%
Credit Score Range 750 - 850
Annual Fee $0
Purchase APR  (Variable APR) 13.49% - 22.49%

BB&T Bright Visa Card Review

BB&T Bright Visa Card is a credit card issued by BB&T. 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.

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Competitive APRs. BB&T Bright Visa Card has a variable purchase APR of up to 22.49%.
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. BB&T Bright Visa Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, travel assistance, and fraud protection.
  • Very good credit required. Applicants will typically need a credit score of at least 750 to qualify.
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • BB&T Bright Visa Card reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Travel assistance insurance
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee

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.

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 on balance transfers??

Yes, BB&T Bright Visa Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

BB&T Bright Visa Card Balance Transfers
Description
Balance Transfer APR 13.49% - 22.49%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $10

Does BB&T Bright Visa Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.

What are the BB&T Bright Visa Card fees?

The following fees apply to BB&T Bright Visa Card:

  • There is no overlimit fee
BB&T Bright Visa Card Fees
Fees Amount
Annual Fee up to $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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • 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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee  
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Foreign Currency Transaction Fee 3%
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 750 - 850
Card Type
  • Balance Transfer
  • Low Interest
  • Zero Percent
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Categories Every Purchase
Cash Advance APR (Variable APR) Starting at 24.49%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 13.49% - 22.49%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 13.49% - 22.49%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

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Balance Transfer APR 14.74% - 23.74%
(Variable APR)
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Purchase APR 14.74% - 23.74%
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Balance Transfer APR 15.49% - 24.49%
(Variable APR)
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Credit Score Range 740 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.49% - 24.49%
(Variable APR)
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