BB&T Spectrum Travel Rewards Credit Card
in Personal Credit Cards from BB&T
Would you recommend BB&T Spectrum Travel Rewards Credit Card to your friends?
| Community Rating |
Rating not yet determined |
| 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.
- 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 Global Entry / TSA Precheck Fee Credit, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
| The Good | The Bad |
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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 $10 back in cash. However, you can earn up to 2% for purchases in a bonus category.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 2% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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:
- 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.
| 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.| 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
| 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.
Contact
- Headquarters
-
110 S. Stratford Rd.
Winston Salem, NC 27104 - (336) 733-3300
- Visit Site
Other Services by BB&T
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Feature Breakdown
| Every Purchase (Points) | 1 point |
BB&T Spectrum Travel Rewards Credit Card Community Reviews
Would you recommend BB&T Spectrum Travel Rewards Credit Card to your friends?
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