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BB&T Bright Credit Card

in Personal Credit Cards

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BB&T Bright Credit Card

Unaffiliated

in Personal Credit Cards

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Overview

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
  •  

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    Availability

    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)
    25
    Over-Limit Fee
    $0
    Minimum Interest Charge
    $0
    Annual Fee
    $0
    No Annual Fee
    Late Payment Penalty
    $38
    Foreign Currency Transaction Fee
    3%
    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
    18
    Customer Type
    Personal
    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
    0%
    Balance Transfer APR (variable)
    12.65% - 21.65%
    8% 29%
    Transfer Fee
    3%
    Transfer Fee Minimum
    $10
    Transfer Fee
    3% ($10 min)
    Introductory Rate
    0%
    Intro APR period (months)
    15

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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