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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
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.

Pros & Cons of BB&T Bright Visa Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Travel Assistance.
  • Earn rewards on every purchase.
  • BB&T Bright Visa Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • 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.

    BB&T Bright Visa Card Rewards
    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.

    BB&T Bright Visa Card Balance Transfers
    Description
    Balance Transfer APR 13.49% - 22.49%
    Introductory Rate 0%
    Intro APR period (months) 15
    BB&T Bright Visa Card Rates & Terms
    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
    BB&T Bright Visa Card Fees
    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.

    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

    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
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Visa
    Card Type
    • Balance Transfer
    • Low Interest
    • Zero Percent
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Fraud Liability
    • Travel Assistance
    Fraud Liability  
    Rewards Categories
    • Every Purchase
    Cash Advance APR (Variable APR) Starting at 24.49%
    Purchase APR (Variable APR) 13.49% - 22.49%
    Balance Computation average daily balance (including new purchases)
    Introductory Rate 0%
    Penalty APR 0%
    Balance Transfer APR (Variable APR) 13.49% - 22.49%
    Intro APR period 15
    Introductory Rate 0%

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    Annual Fee $89 Annual Fee
    Purchase APR 15.49% - 24.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 15.49% - 24.49%
    (Variable APR)
        5% 29% Variable APR
    Credit Score Range 700 - 850     300 850
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    Annual Fee $0 Annual Fee
    Purchase APR 15.49% - 24.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 15.49% - 24.49%
    (Variable APR)
        5% 29% Variable APR
    Credit Score Range 740 - 850     300 850