BB&T Spectrum Travel Rewards Credit Card
in Personal Credit Cards from BB&T
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| Annual Fee | $89 |
| Purchase APR (Variable APR) | 15.49% - 24.49% |
| Balance Transfer APR (Variable APR) | 15.49% - 24.49% |
| Credit Score Range | 700 - 850 |
BB&T Spectrum Travel Rewards Credit Card Review
BB&T Spectrum Travel Rewards Credit Card is a cashback credit card issued by BB&T.
Good credit. This card is designed for people with good credit. The minimum credit score to apply is 700.
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.
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 $10 back in cash.
This card features rewards for purchases in the following categories:
- Every Purchase
- Gas
- Groceries
- Utilities
| Rewards rate (all purchases) | 1% |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 20000 |
| Signup Bonus Spend Requirement | $2000 |
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?
BB&T Spectrum Travel Rewards Credit Card doesn't offer a cash loyalty bonus.
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
- Fraud Liability
- Travel Assistance
- Global Entry
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for BB&T Spectrum Travel Rewards Credit Card?
BB&T Spectrum Travel Rewards Credit Card has a variable purchase APR that ranges from 15.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 15.49% up to 24.49%.
It also has a variable cash advance APR starting at 24.49% .
Does BB&T Spectrum Travel Rewards Credit Card have an introductory APR offer?
Yes, BB&T Spectrum Travel 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.
| Purchase APR | 15.49% - 24.49% |
| Balance Transfer APR | 15.49% - 24.49% |
| Cash Advance APR | Starting at 24.49% |
What are the BB&T Spectrum Travel Rewards Credit Card fees?
$89 Annual Fee. BB&T Spectrum Travel Rewards Credit Card charges an annual fee of $89. However, BB&T will waive the annual fee for the first year.The following fees apply to BB&T Spectrum Travel Rewards Credit Card:
| Fees | Amount |
|---|---|
| Annual Fee | $89 |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $10 |
| Late Payment Fee | $38 |
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
- 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.
How to apply for BB&T Spectrum Travel Rewards Credit Card
- 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.
Contact
- Headquarters
-
110 S. Stratford Rd.
Winston Salem, NC 27104 USA - (336) 733-3300
- Visit Site
Other Services by BB&T
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
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- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Interest Grace Period for Late Payment | 25 |
| Minimum Interest Charge | $0 |
| No Annual Fee First Year | |
| No Foreign Transaction Fee | |
| Annual Fee | $89 |
| Late Fee Amount | $38 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee Minimum | $10 |
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Other Personal Credit Cards
BB&T Personal Credit Cards
Annual Fee
$0
Purchase APR
13.49% - 22.49%
Balance Transfer APR
13.49% - 22.49%
Credit Score Range
750 - 850
Annual Fee
$0
Purchase APR
15.49% - 24.49%
Balance Transfer APR
15.49% - 24.49%
Credit Score Range
740 - 850
