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.

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 12.74% up to 21.74%.
• 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.

BB&T Bright Visa Card Pros and Cons:

The Good	The Bad
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. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Travel assistance insurance Earn rewards on every purchase. BB&T Bright Visa Card reports to multiple credit bureaus.	Requires good to excellent credit. 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.

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?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. BB&T Bright Visa Card has lower than average purchase APRs.

BB&T Bright Visa Card has a variable purchase APR that ranges from 12.74% up to 21.74%. The card has a variable balance transfer APR that ranges from 12.74% up to 21.74%. It also has a variable cash advance APR of 23.74% .

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 to BB&T Bright Visa Card:

• There is no overlimit fee

BB&T Bright Visa Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
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 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.