BB&T Bright Credit Card

in Personal Credit Cards

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BB&T Bright Credit Card


in Personal Credit Cards

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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 charges a variable APR on new purchases that ranges from 12.65% to 21.65%. Balance transfer APRs, which are also variable, range from 12.65% to 21.65%

Is an introductory APR offer available?

Yes, BB&T Bright Credit Card offers an introductory APR rate 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:

  • Emergency support
  • Fraud liability
  • Travel insurance
  • 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...


    Available in 50 States and Washington, DC
    • 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

    Grace Period / Deferred Interest (Months)
    Over-Limit Fee
    Minimum Interest Charge
    Annual Fee
    No Annual Fee
    Late Payment Penalty
    Foreign Currency Transaction Fee
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Credit Score Range
    750 - 850
    850 300 750
    Minimum Age
    Customer Type
    Card Type
    • Balance Transfer
    • Low Interest
    • Zero Percent
    Card Network
    • Visa
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Fraud Liability
    • Free Credit Score
    • ID Theft Protection
    • Travel Accident Insurance
    • Travel Assistance
    Fraud Liability
    Travel Insurance
    Emergency Support
    Purchases APR (variable)
    12.65% - 21.65%
    0% 29%
    Balance Computation
    average daily balance (including new purchases)
    Introductory Rate
    Balance Transfer APR (variable)
    12.65% - 21.65%
    8% 29%
    Transfer Fee
    Transfer Fee Minimum
    Transfer Fee
    3% ($10 min)
    Introductory Rate
    Intro APR period (months)

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    Purchases APR (variable)

    Balance Transfer APR (variable)

    Annual Fee

    Credit Score Range

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    Purchases APR (variable) 13.65% - 22.65% 0% 29%
    Balance Transfer APR (variable) 13.65% - 22.65% 8% 29%
    Annual Fee $0 Annual Fee
    Credit Score Range 700 - 850 300 850