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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

Net Recommendation Score +50

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

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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Highlights
Community Rating

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Purchase APR  (Variable APR) 13.24% - 22.24%
Balance Transfer APR  (Variable APR) 13.24% - 22.24%
Credit Score Range 650 - 850
Annual Fee $89

BB&T Spectrum Travel Rewards Credit Card Review

This 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 review will provide you with with all the details you need 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 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry 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, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of BB&T Spectrum Travel Rewards Credit Card
The Good The Bad
  • 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.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • BB&T Spectrum Travel Rewards Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $89
  • Charges a 3% balance transfer fee.
BB&T Spectrum Travel Rewards Credit Card FAQ

Does BB&T Spectrum Travel Rewards Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other 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
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit 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?

This 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, it offers cardholders an annual bonus worth up to $50.

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

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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 intro APR offer on balance transfers?

Yes, it offers an intro 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 Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 13.24% - 22.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

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

This card does not offer an intro APR rate on new purchases.

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

The following fees apply:

  • 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?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for BB&T Spectrum Travel Rewards Credit Card?

The BB&T Spectrum Travel Rewards Credit Card customer service number is (336) 733-3300.

What is the support contact email for BB&T Spectrum Travel Rewards Credit Card?

The support contact email for BB&T Spectrum Travel Rewards Credit Card is ClientResolution@Truist.com.

How do people rate the customer service and user experience of BB&T Spectrum Travel Rewards Credit Card?

Overall, BB&T Spectrum Travel Rewards Credit Card is strongly recommended based on community reviews that rate customer service and user experience.

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

Yes, 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 may 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 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

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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
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
  • Travel Accident Insurance
Annual Loyalty Bonus $50
Rewards Categories
  • Cash Back on Gas
  • Cash Back on Groceries
  • Cash Back on Utilities
  • Cash Back on Every Purchase
Signup Bonus (points) 20,000
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%
Card Type
  • Balance Transfer
  • Cashback
  • Rewards
  • Zero Percent
Card Network Visa

BB&T Spectrum Travel Rewards Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

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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