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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.

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:

  • 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?

No Annual Fee. BB&T Spectrum Cash Rewards does not charge an annual fee.

3% Foreign transaction fees. 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.

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

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 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 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.

How to apply for BB&T Spectrum Cash Rewards

  • Visit the BB&T website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • 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.
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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

Returned Payment Fee $0
Grace Period for Late Payment 25
Over-Limit Fee $0
Minimum Interest Charge $0
Annual Fee $0
No Annual Fee  
Late Fee Amount Starting at $38
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $10
Cash Advance Fee ($) Starting at $10
Cash Advance Fee (%) Starting at 3%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 3%
Minimum Age 18
Credit Score Range 740 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Customer Type Personal
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
Bonus Rewards Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account
All Other Purchases 1% cash back on all other qualifying purchases
Every Purchase Get 3% cash back on gas, 2% cash back on utilities and groceries
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
  • Utilities
Purchase APR (Variable APR) 15.49% - 24.49%
Cash Advance APR (Variable APR) Starting at 24.49%
Balance Computation average daily balance
Penalty APR 0%
Introductory Rate 0%
Balance Transfer APR (Variable APR) 15.49% - 24.49%
Introductory Rate 0%
Intro APR period 12

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