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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. 

Very good credit. 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.

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
  • Fraud Liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for BB&T Bright Visa Card?

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 15 months.

This card does offer an introductory APR rate on new purchases of 0% for a period of 15 months.

BB&T Bright Visa Card Rates & Terms
Purchase APR 13.49% - 22.49%
Balance Transfer APR 13.49% - 22.49%
Cash Advance APR Starting at 24.49%
Penalty APR 0%

What are the BB&T Bright Visa Card fees?

No Annual Fee. BB&T Bright Visa Card does not charge an annual fee.

3% Foreign transaction fees. 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.

The following fees apply to BB&T Bright Visa Card:

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 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 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.

How to apply for BB&T Bright Visa Card

  • Visit the BB&T website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • 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.
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

Grace Period for Late Payment (Days) 25
Over-Limit Fee $0
Minimum Interest Charge $0
Annual Fee $0
No Annual Fee  
Late Fee Amount $38
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%
Minimum Age 18
Credit Score Range 750 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
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
Customer Type Personal
Car Rental Insurance  
Fraud Liability  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Every Purchase
Purchase APR (Variable APR) 13.49% - 22.49%
Cash Advance APR (Variable APR) Starting at 24.49%
Balance Computation average daily balance (including new purchases)
Penalty APR 0%
Introductory Rate 0%
Balance Transfer APR (Variable APR) 13.49% - 22.49%
Introductory Rate 0%
Intro APR period (months) 15

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