SuperMoney 
  BB&T Spectrum Travel Rewards Credit Card

BB&T Spectrum Travel Rewards Credit Card

in Personal Credit Cards from BB&T

Unaffiliated

BB&T Spectrum Travel Rewards Credit Card

Unaffiliated

in Personal Credit Cards from BB&T

Net Recommendation Score +100% 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.

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
1 user recommends
0 users are unsure
0 users don't recommend
Cast your vote
Cast your vote

Would you recommend BB&T Spectrum Travel Rewards Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
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.

Pros & Cons of BB&T Spectrum Travel Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Free access to your credit score.
  • Global Entry / TSA Precheck Fee Credit.
  • Travel Assistance.
  • Earn rewards on every purchase.
  • BB&T Spectrum Travel Rewards Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $89.
  • 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.

    BB&T Spectrum Travel Rewards Credit Card Rewards
    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.

    BB&T Spectrum Travel Rewards Credit Card Balance Transfers
    Description
    Balance Transfer APR 15.49% - 24.49%
    Introductory Rate 0%
    Intro APR period (months) 12
    BB&T Spectrum Travel Rewards Credit Card Rates & Terms
    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:

    BB&T Spectrum Travel Rewards Credit Card Fees
    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.

    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...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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

    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
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Visa
    Card Type
    • Balance Transfer
    • Cashback
    • Rewards
    • Zero Percent
    Credit Bureau Reporting
    • ChexSystems
    • 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
    Emergency Support  
    Extended Warranty  
    Fraud Liability  
    Travel Insurance  
    Bonus Rewards 2x miles on air, hotel, and car rentals
    Rewards Categories
    • Every Purchase
    • Gas
    • Groceries
    • Utilities
    Signup Bonus (points) 20,000
    Cash Advance APR (Variable APR) Starting at 24.49%
    Purchase APR (Variable APR) 15.49% - 24.49%
    Balance Computation average daily balance (including new purchases)
    Introductory Rate 0%
    Balance Transfer APR (Variable APR) 15.49% - 24.49%
    Intro APR period 12
    Introductory Rate 0%

    BB&T Spectrum Travel Rewards Credit Card Community Reviews

     

    Would you recommend BB&T Spectrum Travel Rewards Credit Card to your friends?

    Before we publish your vote:

    Please explain your vote by sharing your experience.

    Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

    Please write a review to submit your vote
    Cancel my vote
    (will require moderator approval)

    Other Personal Credit Cards

    BB&T Personal Credit Cards

    Product

    Reviews

    Annual Fee

    Purchase APR

    Balance Transfer APR

    Credit Score Range

    BB&T Spectrum Cash Rewards

    BB&T Spectrum Cash Rewards

    Be the first to rate

    Annual Fee $0 Annual Fee
    Purchase APR 15.49% - 24.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 15.49% - 24.49%
    (Variable APR)
        5% 29% Variable APR
    Credit Score Range 740 - 850     300 850
    BB&T Bright Visa Card

    BB&T Bright Visa Card

    Be the first to rate

    Annual Fee $0 Annual Fee
    Purchase APR 13.49% - 22.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 13.49% - 22.49%
    (Variable APR)
        5% 29% Variable APR
    Credit Score Range 750 - 850     300 850