Overview

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:

• Equifax
• Experian
• Transunion
• ChexSystems

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.