Who is this credit card designed for?
BB&T Bright Credit Card is a credit card issued by BB&T, which is based in Whiteville, NC.
BB&T Bright Credit Card is designed for people with a credit score of 750 to 850. It's perfect for consumers looking for a card without an annual fee. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.
What are the relevant APRs?
BB&T Bright Credit Card has a variable purchase APR that ranges from 12.65% up to 21.65%.
The card has a variable balance transfer APR that ranges from 12.65% up to 21.65%.
It also has a variable cash advance APR starting at 23.65%.
Is an introductory APR offer available?
Yes, BB&T Bright Credit Card offers an introductory APR rate on balance transfers of 0% for a period of 15 months.
This card does offer an introductory APR rate on new purchases of 0% for a period of 15 months.
What are the fees?
The following fees apply to BB&T Bright Credit Card:
- There is no annual fee.
- A late payment penalty of $38.
- There is no overlimit fee
- A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.
Is a rewards program offered?
No, BB&T Bright Credit Card does not offer a rewards program.
Is a signup bonus offered?
BB&T Bright Credit Card doesn't offer a cash signup bonus.
Is an annual loyalty bonus offered?
BB&T Bright Credit Card doesn't offer a cash loyalty bonus.
What additional benefits are offered?
BB&T Bright Credit Card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Fraud Liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
Does BB&T Bright Credit Card report your account activity to credit bureaus?
BB&T Bright Credit Card reports your account activity to the following credit reporting agencies:
Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
|Grace Period for Late Payment (Days)||25|
|Minimum Interest Charge||$0|
|No Annual Fee|
|Late Payment Penalty||$38|
|Balance Transfer Fee %||3%|
|Balance Transfer Fee Minimum||$10|
|Foreign Currency Transaction Fee||3%|
|Credit Score Range||
750 - 850
850 300 750
|Immigration Status Considered||
|Employment Statuses Considered||
|Supported Income Types||
|Credit Card Benefits||
|Purchase APR (Variable APR)||12.65% - 21.65%|
|Cash Advance APR (Variable APR)||Starting at 23.65%|
|Balance Computation||average daily balance (including new purchases)|
|Balance Transfer APR (Variable APR)||12.65% - 21.65%|
|Intro APR period (months)||15|
BB&T Personal Credit Cards
Balance Transfer APR
Credit Score Range
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