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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

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in Personal Credit Cards from BB&T

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Highlights
Highlights
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.

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
  • 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.

BB&T Spectrum Travel Rewards Credit Card Rates & Terms
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:

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 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.
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

Grace Period for Late Payment (Days) 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
Minimum Age 18
Credit Score Range 700 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Extended Warranty  
Fraud Liability  
Travel Insurance  
Emergency Support  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Global Entry
  • Identity Theft Protection
  • Travel Assistance
Bonus Rewards 2x miles on air, hotel, and car rentals
All Other Purchases 1% cash on all net qualified purchases
Every Purchase 1 point
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
  • Utilities
Signup Bonus (points) 20,000
Purchase APR (Variable APR) 15.49% - 24.49%
Cash Advance APR (Variable APR) Starting at 24.49%
Balance Computation average daily balance (including new purchases)
Introductory Rate 0%
Balance Transfer APR (Variable APR) 15.49% - 24.49%
Introductory Rate 0%
Intro APR period (months) 12

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(Variable APR)
    0% 35% Variable APR
Balance Transfer APR 15.49% - 24.49%
(Variable APR)
    0% 29% Variable APR
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