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 |
| 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.
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.
| 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 $10 back in cash.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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
- 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 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 up to 12 months.
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer APR | 15.49% - 24.49% |
| Introductory Rate | 0% |
| Intro APR period (months) | 12 |
| Description | |
|---|---|
| Balance Computation | average daily balance (including new purchases) |
| Purchase APR | 15.49% - 24.49% |
| Credit Limit | N/A |
| Penalty APR | N/A |
| Cash Advance APR | Starting at 24.49% |
| Introductory Rate | 0% |
| Intro APR period (months) | 12 |
What are the BB&T Spectrum Travel Rewards Credit Card fees?
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 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 score.
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 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
- Minnesota
- Mississippi
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- New Hampshire
- New Jersey
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- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Minimum Interest Charge | $0 |
| No Annual Fee First Year | |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 25 |
| Annual Fee | $89 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee Minimum | $10 |
| Late Fee Amount | $38 |
BB&T Spectrum Travel Rewards Credit Card Community Reviews
Would you recommend BB&T Spectrum Travel Rewards Credit Card to your friends?
Other Personal Credit Cards
BB&T Personal Credit Cards
Annual Fee
$0
Purchase APR
15.49% - 24.49%
Balance Transfer APR
15.49% - 24.49%
Credit Score Range
740 - 850
Annual Fee
$0
Purchase APR
13.49% - 22.49%
Balance Transfer APR
13.49% - 22.49%
Credit Score Range
750 - 850
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