SuperMoney 

BB&T Bright Credit Card

in Personal Credit Cards

Unaffiliated Visit Site

BB&T Bright Credit Card

Unaffiliated

in Personal Credit Cards

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend BB&T Bright Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

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 Bright Credit Card has a variable purchase APR that ranges from 12.65% up to 21.65%.

The card has a variable balance transfer APR that ranges from 12.65% up to 21.65%.

It also has a variable cash advance APR starting at 23.65%.

Is an introductory APR offer available?

Yes, BB&T Bright Credit 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.

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:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

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

BB&T Bright Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion
  • ChexSystems

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.

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...

Contact

Other Services by BB&T

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 Payment Penalty $38
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $10
Foreign Currency Transaction Fee 3%
Minimum Age 18
Credit Score Range 750 - 850
850 300 750
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
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
Fraud Liability  
Travel Insurance  
Emergency Support  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Purchase APR (Variable APR) 12.65% - 21.65%
Cash Advance APR (Variable APR) Starting at 23.65%
Balance Computation average daily balance (including new purchases)
Introductory Rate 0%
Balance Transfer APR (Variable APR) 12.65% - 21.65%
Introductory Rate 0%
Intro APR period (months) 15

Be the first to rate

 
 

Would you recommend BB&T Bright Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards

BB&T Personal Credit Cards

Product

Reviews

Purchase APR

Balance Transfer APR

Annual Fee

Credit Score Range

BB&T Spectrum Rewards Credit Card

BB&T Spectrum Rewards Credit Card

Be the first to rate

Purchase APR 13.65% - 22.65%
(Variable APR)
    0% 30% Variable APR
Balance Transfer APR 13.65% - 22.65%
(Variable APR)
    8% 29% Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850     300 850