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  BB&T Spectrum Travel Rewards Credit Card

BB&T Spectrum Travel Rewards Credit Card

in Personal Credit Cards from BB&T

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BB&T Spectrum Travel Rewards Credit Card

Unaffiliated

in Personal Credit Cards from BB&T

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Purchase APR  (Variable APR) 13.24% - 22.24%
Balance Transfer APR  (Variable APR) 13.24% - 22.24%
Credit Score Range 700 - 850
Annual Fee $89

BB&T Spectrum Travel Rewards Credit Card Review

BB&T Spectrum Travel Rewards Credit Card is a cashback credit card issued by BB&T. If you're wondering whether BB&T Spectrum Travel Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • Signup bonus. Offers a signup bonus of 20000 points after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. BB&T Spectrum Travel Rewards Credit Card has a variable purchase APR that ranges from 13.24% up to 22.24%.
  • Annual fee waived the first year. BB&T Spectrum Travel Rewards Credit Card gives you the chance to have the card for a year without paying the $89 annual fee.
  • 3% Balance transfer fee. BB&T Spectrum Travel Rewards Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $10.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, Global Entry / TSA Precheck Fee Credit, travel assistance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

BB&T Spectrum Travel Rewards Credit Card Pros and Cons:

The Good The Bad
  • Earn 2x miles on air/hotel/car rentals and 1x miles on all other eligible purchases
  • Get an $85 credit for TSA Pre? or Global Entry
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Global Entry / TSA Precheck Fee Credit.
  • Travel assistance insurance
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • BB&T Spectrum Travel Rewards Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Charges an annual fee of $89
  • Charges a 3% balance transfer fee.

Is there a BB&T Spectrum Travel Rewards Credit Card cash back or rewards program?

BB&T Spectrum Travel Rewards Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With BB&T Spectrum Travel Rewards Credit Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 2% for purchases in a bonus category.

BB&T Spectrum Travel Rewards Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 2%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 20000
Signup Bonus Spend Requirement $2000
Signup Bonus Spend Period (months) 3 months
Annual Loyalty Bonus $50

Does BB&T Spectrum Travel Rewards Credit Card have a signup bonus?

BB&T Spectrum Travel Rewards Credit Card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.

Does BB&T Spectrum Travel Rewards Credit Card offer an annual loyalty bonus?

Yes, BB&T Spectrum Travel Rewards Credit Card offers card users an annual bonus worth up to $50.

What are the BB&T Spectrum Travel Rewards Credit Card benefits?

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

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

What are the relevant APRs for BB&T Spectrum Travel Rewards Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. BB&T Spectrum Travel Rewards Credit Card has lower than average purchase APRs.

BB&T Spectrum Travel Rewards Credit Card has a variable purchase APR that ranges from 13.24% up to 22.24%. The card has a variable balance transfer APR that ranges from 13.24% up to 22.24%. It also has a variable cash advance APR of 22.24% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does BB&T Spectrum Travel Rewards Credit Card have an introductory APR offer on balance transfers?

Yes, BB&T Spectrum Travel Rewards Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

BB&T Spectrum Travel Rewards Credit Card Balance Transfers
Description
Balance Transfer APR 13.24% - 22.24%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $10

Does BB&T Spectrum Travel Rewards Credit Card have an introductory APR offer on new purchases?

BB&T Spectrum Travel Rewards Credit Card does not offer an introductory rate on new purchases.
BB&T Spectrum Travel Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for BB&T Spectrum Travel Rewards Credit Card?

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

  • There is no overlimit fee
BB&T Spectrum Travel Rewards Credit Card Fees
Fees Amount
Annual Fee $89
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $0
Late Payment Fee $38

Does BB&T Spectrum Travel Rewards Credit Card have a foreign transaction fee?

BB&T Spectrum Travel Rewards Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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

BB&T Spectrum Travel Rewards Credit Card 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.

How to apply for BB&T Spectrum Travel Rewards Credit Card

  • Visit the BB&T Spectrum Travel Rewards Credit Card 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  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

Every Purchase (Points) 1 point
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Annual Fee First Year  
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $89
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type
  • Balance Transfer
  • Cashback
  • Rewards
  • Zero Percent
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
  • Travel Assistance
Bonus Rewards Earn 20,000 bonus miles when you spend $2,000 in the first 90 days ($200 value).
Annual Loyalty Bonus $50
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
  • Utilities
Signup Bonus (points) 20,000
Rewards Type Cash Back
Cash Advance APR (Variable APR) 22.24%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 13.24% - 22.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 13.24% - 22.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

BB&T Spectrum Travel Rewards Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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