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BB&T Spectrum Rewards Credit Card

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BB&T Spectrum Rewards Credit Card

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in Personal Credit Cards from BB&T

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Highlights
Highlights
Purchase APR 13.65% - 22.65%
Balance Transfer APR 13.65% - 22.65%
Annual Fee $0
Credit Score Range 700 - 850

Overview

Who is this credit card designed for?

BB&T Spectrum Rewards Credit Card is a credit card issued by BB&T, which is based in Winston Salem, NC. 

BB&T Spectrum Rewards Credit Card is designed for people with a credit score of 700 to 850. It's perfect for consumers looking for a card without an annual fee. 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?

BB&T Spectrum Rewards Credit Card has a variable purchase APR that ranges from 13.65% up to 22.65%.

The card has a variable balance transfer APR that ranges from 13.65% up to 22.65%.

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

Is an introductory APR offer available?

Yes, BB&T Spectrum Rewards Credit Card 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.

What are the fees?

The following fees apply to BB&T Spectrum Rewards Credit Card:

  • There is no annual fee.
  • A late payment penalty of up to $38.
  • BB&T Spectrum Rewards Credit Card does not charge a returned payment 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?

BB&T Spectrum Rewards Credit Card 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

Is a signup bonus offered?

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

Is an annual loyalty bonus offered?

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

What additional benefits are offered?

 BB&T Spectrum Rewards Credit Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

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

BB&T Spectrum Rewards 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.

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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

Grace Period for Late Payment (Days) 25
Minimum Interest Charge $0
Annual Fee $0
No Annual Fee  
Late Fee Amount $38
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $10
Foreign Currency Transaction Fee 3%
Minimum Age 18
Credit Score Range 700 - 850
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
Extended Warranty  
Fraud Liability  
Travel Insurance  
Emergency Support  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Travel Assistance
Bonus Rewards 5% anniversary bonus on cash
All Other Purchases 1% cash on all net qualified purchases
Every Purchase 3% cash on all net qualified purchases
Rewards Categories
  • Every Purchase
Purchase APR (Variable APR) 13.65% - 22.65%
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) 13.65% - 22.65%
Introductory Rate 0%
Intro APR period (months) 12

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Purchase APR 12.65% - 21.65%
(Variable APR)
    0% 32% Variable APR
Balance Transfer APR 12.65% - 21.65%
(Variable APR)
    8% 29% Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 750 - 850     300 850