BB&T Bright Visa Card Review

BB&T Bright Visa Card 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 is everything you need to know 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 of up to 22.49%.
• 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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, travel assistance, and fraud protection.
• Very good credit required. Applicants will typically need a credit score of at least 750 to qualify.

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.

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?

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.

What are the BB&T Bright Visa Card fees?

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

• There is no overlimit 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.