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  BB&T Spectrum Cash Rewards

BB&T Spectrum Cash Rewards

in Personal Credit Cards from BB&T

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BB&T Spectrum Cash Rewards

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in Personal Credit Cards from BB&T

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 15.49% - 24.49%
Balance Transfer APR  (Variable APR) 15.49% - 24.49%
Credit Score Range 740 - 850

BB&T Spectrum Cash Rewards Review

If you're wondering whether BB&T Spectrum Cash Rewards is the right card for you, read on. This is everything you need to know to make a good choice.
Pros & Cons of BB&T Spectrum Cash Rewards
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Cardholders can earn rewards on their purchases.
  • Earn rewards on every purchase.
  • BB&T Spectrum Cash Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card rewards.
  • Is there a BB&T Spectrum Cash Rewards cash back or rewards program?

    BB&T Spectrum Cash Rewards is a cashback card. This means you earn a percentage of your purchase as a cash reward.

    BB&T Spectrum Cash Rewards Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A
    Signup Bonus Spend Requirement $0

    Does BB&T Spectrum Cash Rewards have a signup bonus?

    BB&T Spectrum Cash Rewards doesn't offer a cash signup bonus.

    Does BB&T Spectrum Cash Rewards offer an annual loyalty bonus?

    BB&T Spectrum Cash Rewards doesn't offer a cash loyalty bonus.

    What are the BB&T Spectrum Cash Rewards benefits?

    BB&T Spectrum Cash Rewards provides the following benefits:

    • Zero fraud liability
    • Reports to major credit bureaus

    What are the relevant APRs for BB&T Spectrum Cash Rewards?

    BB&T Spectrum Cash Rewards is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

    What are the BB&T Spectrum Cash Rewards fees?

    The following fees apply to BB&T Spectrum Cash Rewards:

    • There is no overlimit fee
    BB&T Spectrum Cash Rewards Fees
    Fees Amount
    Annual Fee $0
    Overlimit Fee $0
    Foreign Transaction Fee 3%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $10
    Returned Payment Fee $0

    Does BB&T Spectrum Cash Rewards have a foreign transaction fee?

    BB&T Spectrum Cash Rewards charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

    Does BB&T Spectrum Cash Rewards report your account activity to credit bureaus?

    BB&T Spectrum Cash Rewards 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 Spectrum Cash Rewards

    • Visit the BB&T Spectrum Cash Rewards 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.

    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...

    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

    Annual Fee $0
    Minimum Interest Charge $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 25
    Over-Limit Fee $0
    Returned Payment Fee $0
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $10
    Cash Advance Fee (%) Starting at 3%
    Cash Advance Fee Minimum $10
    Foreign Currency Transaction Fee 3%
    Late Fee Amount Starting at $38
    Minimum Cash Advance Fee ($) Starting at $10
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Card Network
    • Visa
    Card Type
    • Balance Transfer
    • Bonus Offers
    • Cashback
    • Charge Card
    • Gas
    • Rewards
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Credit Card Benefits
    • Fraud Liability
    Fraud Liability  
    Bonus Rewards Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account
    Rewards Categories
    • Every Purchase
    • Gas
    • Groceries
    • Utilities
    Cash Advance APR (Variable APR) Starting at 24.49%
    Purchase APR (Variable APR) 15.49% - 24.49%
    Balance Computation average daily balance
    Introductory Rate 0%
    Penalty APR 0%
    Balance Transfer APR (Variable APR) 15.49% - 24.49%
    Intro APR period 12
    Introductory Rate 0%

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    Balance Transfer APR 15.49% - 24.49%
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    Balance Transfer APR 13.49% - 22.49%
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