
BB&T Bright Visa Card
in Personal Credit Cards from BB&T
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Purchase APR (Variable APR) | 11.24% - 20.24% |
Balance Transfer APR (Variable APR) | 11.24% - 20.24% |
Credit Score Range | 750 - 850 |
Annual Fee | $0 |
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 that ranges from 11.24% up to 20.24%.
- 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 and fraud protection.
- Very good credit required. Applicants will typically need a credit score of at least 750 to qualify.
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.
What are the BB&T Bright Visa Card benefits?
BB&T Bright Visa Card provides the following benefits:
- 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 11.24% up to 20.24%. The card has a variable balance transfer APR that ranges from 11.24% up to 20.24%. It also has a variable cash advance APR of 22.24% .
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.
Description | |
---|---|
Balance Transfer APR | 11.24% - 20.24% |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period (months) | 15 |
Balance Transfer Fee % | 3% |
Balance Transfer Fee % After Intro Period | N/A |
Balance Transfer Fee Intro Period (days) | N/A |
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.
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period (months) | 15 |
What are the fees for BB&T Bright Visa Card?
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% |
Late Payment Fee | up to $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?
Yes, 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 may help improve your credit.
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 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 - (336) 733-3300
- Visit Site
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Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 15 months |
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