
BB&T Spectrum Travel Rewards Credit Card
Explore a similar product
Try this top product in Personal Credit Cards.
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 | 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.
- 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, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
The Good | The Bad |
---|---|
|
|
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.
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. This card has lower than average regular 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 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.
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
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 (800) 476-4228.
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?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
110 S. Stratford Rd.
Winston Salem, NC 27104 - (800) 476-4228
- Visit Site
- Email Support
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
- 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 |
BB&T Spectrum Travel Rewards Credit Card Community Reviews
Would you recommend BB&T Spectrum Travel Rewards Credit Card to your friends?
BB&T Personal Credit Cards
- Ashley Stewart Credit Card
- First State Bank of Newcastle Mastercard Credit Card
- FivePoint Credit Union Platinum Rewards Visa Credit Card
- Group One Platinum Card
- Iddeal Credit Card
- Mountain America Credit Union Visa Rewards Card
- Mountain View Bank MasterCard Credit Card
- Municipal CU Cash Back Visa Credit Card
- Northwest Bank Secure Visa Credit Card
- Shaw Credit Card
- Surge Mastercard®
- Wyndham Rewards Visa Card