BB&T Bright Visa Card

BB&T Bright Visa Card Review

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This 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.

Key Takeaways

• 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 that ranges from 11.24% up to 20.24%.
• 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 3% on balance transfers. For example, a balance of $1,000 could cost $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, identity theft protection, travel assistance, and fraud protection.
• Very good credit required. Applicants will typically need a credit score of at least 750 to have good approval odds.

Pros & Cons of BB&T Bright Visa Card

The Good

The Bad

Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. 0% APR on new purchases during the first 15 months. There is then a variable purchase APR that ranges from 11.24% up to 20.24%. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Identity Theft Protection. Travel assistance insurance BB&T Bright Visa Card reports to multiple credit bureaus.

You need good credit to qualify. Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee.

BB&T Bright Visa Card FAQ

Does BB&T Bright Visa Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the BB&T Bright Visa Card benefits?

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

BB&T Bright Visa Card has a variable purchase APR that ranges from 11.24% up to 20.24%. The card has a variable balance transfer APR that ranges from 11.24% up to 20.24%. It also has a variable cash advance APR of 22.24% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for BB&T Bright Visa Card?

The following fees apply:

• There is no overlimit fee

BB&T Bright Visa Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	$0
Late Payment Fee	up to $38

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does BB&T Bright Visa Card report your account activity to credit bureaus?

Yes, 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 may help improve your credit.

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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.