New account holders of the BB&T Spectrum Cash Rewards Card pay no interest (0% APR) on purchases for their first 12 billing cycles (minimum payments apply).
Or balances can be transferred at the same 0% rate, although an upfront 3% balance transfer fee applies.
BB&T Bank never compromises on the quality of its our products, and the BB&T Spectrum Rewards Visa Credit Card is no exception. It has all the benefits you want in a credit card without surprise rate increases, confusing terms or hidden fees.
The rewards are generous with
- 3% cash back on gas
- 2% cash back on groceries and utilities
- 1% cash back on other qualifying net purchases
- A 10% bonus cash back on redeeming your rewards into your BB&T checking or savings account
Here is what else the BB&T Spectrum Cash Rewards Credit Card has:
- No annual fee
- 0% Introductory APR on net purchases and balance transfers
- 25 day grace period, i.e. try before you buy
- No minimum interest charge
- No penalty APR
- No over-the-credit-limit fee
- No returned payment fee
- However a late fee applies if your payment is not made by your due date
- Payments are made in the from the highest to the lowest APR
- Complete terms and conditions
Easy Online Access
- Access complete account information at BB&T OnLine.
- Pay bills and transfer money between accounts, including non-BB&T accounts
- Pay recurring bills with our automatic bill payment option
- Free alerts to monitor suspicious account activity
- Go paperless—view statements online
- Access up to 24 months of online statements
- Detailed yearly report of your card expenditures (online or print)
- Visa’s Zero Liability provides 100% fraud protection against unauthorized use.
- Extended warranty and purchase protection
- Quick delivery of replacement card or emergency cash if your card is lost or stolen.
- Complimentary rental car insurance
- 24-hour roadside and emergency transportation assistance
- Medical and legal referral assistance
- Travel accident insurance
- Pre-trip and lost luggage assistance
- Emergency airline ticket replacement
- Valuable document delivery assistance
- Emergency translation services
- Accepted at more than 32 million locations worldwide
- Can be used at more than 800,000 ATMs worldwide
Some of these benefits are provided by Visa. Certain limitations, exceptions and restrictions may apply to these Visa benefits. Details are available online or at a local branch.
Apply in person at your local branch or ONLINE.