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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

Overview

Who is BB&T Spectrum Cash Rewards designed for?

BB&T Spectrum Cash Rewards is a a charge card issued by BB&T, which is based in Winston-Salem, NC. 

BB&T Spectrum Cash Rewards is designed for people with a credit score of 740 to 850.

This card does not charge an annual fee, which makes it ideal for those looking to minimize costs. It is designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks. 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 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.

Does BB&T Spectrum Cash Rewards have an introductory APR offer?

Yes, BB&T Spectrum Cash Rewards offers an introductory APR rate on balance transfers of 0% for a period of 12 months.

This card does offer an introductory APR rate on new purchases of 0% for a period of 12 months.

BB&T Spectrum Cash Rewards Rates & Terms
Purchase APR 15.49% - 24.49%
Balance Transfer APR 15.49% - 24.49%
Cash Advance APR Starting at 24.49%
Penalty APR 0%

What are the BB&T Spectrum Cash Rewards fees?

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

  • There is no annual fee.
  • BB&T Spectrum Cash Rewards does not charge a returned payment fee.
  • There is no overlimit fee

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.
BB&T Spectrum Cash Rewards Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $10
Returned Payment Fee $0

Is there a BB&T Spectrum Cash Rewards cash back or rewards program?

BB&T Spectrum Cash Rewards offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Every Purchase
  • Gas
  • Groceries
  • Utilities

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
  • 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

  • Click here to go to the BB&T application form.
  • 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 was rejected and what you can do about it.
    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

    Returned Payment Fee $0
    Grace Period for Late Payment (Days) 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 (months) 12

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