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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
This 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 review will provide you with with all the details you need 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 3% on balance transfers. For example, a balance of $1,000 could cost $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, identity theft protection, travel assistance, and fraud protection.
- Very good credit required. Applicants will typically need a credit score of at least 750 to have good approval odds.
The Good | The Bad |
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Does BB&T Bright Visa Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the BB&T Bright Visa Card benefits?
It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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 intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 15 months |
Balance Transfer APR | 11.24% - 20.24% |
Balance Transfer Fee Minimum | $10 |
Balance Transfer Fee % | 3% |
Does BB&T Bright Visa Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 15 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.
What are the fees for BB&T Bright Visa Card?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | $0 |
Late Payment Fee | up to $38 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
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 foreign transaction fees.What is the customer service phone number for BB&T Bright Visa Card?
The BB&T Bright Visa Card customer service number is (800) 472-4228.
What is the support contact email for BB&T Bright Visa Card?
The support contact email for BB&T Bright Visa Card is ClientResolution@Truist.com.
How do people rate the customer service and user experience of BB&T Bright Visa Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 - (800) 472-4228
- Visit Site
- Email Support
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
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 15 months |
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