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At BB&T, we never compromise on the quality of our products and the BB&T Visa® Platinum 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. Carry the card that is unlike any other. After all, we want to maintain a relationship with you that is based on trust.
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Here is what sets the BB&T Visa Platinum Credit Card apart:
| Straightforward Terms |
- No annual fee.
- 0% Introductory Annual Percentage Rate (APR) on purchases and balance transfers for six months.
- No fee for balance transfers made within 90 days of the account opening. Thereafter, a 3.0% ($10 minimum, $99 maximum) fee applies for each advance.
- No penalty pricing. APRs will not increase with a late payment. A tiered late fee will apply:
- $19 if balance is less than or equal to $500.
- $39 if balance is greater than $500.
- 25 days to pay your bill.
- The bank will apply your payment in the following order: interest, fees and balances from highest to lowest APR.
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| Superior Rewards |
- Enroll in our optional BB&T Rewards program:
- Waived $9 annual fee for the first year (12 billing cycles).
- Waived fee each year thereafter if you spend $2,400 per year in net purchases (fees, interest, balance transfers and cash advances are not included in net purchases).
- Earn points toward retail and restaurant gift cards, BB&T gift cards, merchandise, travel and more.
- Earn 1 point for every $1 in qualified purchases.
- Receive 1,500 bonus points after first purchase.
- Reach 2,000 points and you are eligible for a $10 gift card.
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| Easy Online Access |
- Access complete account information at BB&T OnLine.
- Go paperless — view statements online.
- Pay recurring bills with our automatic bill payment option.
- Pay your monthly bill from your checking or savings account.
- Set up alerts to monitor your account activity.
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| Complete Protection |
- 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.
- Optional overdraft protection available on eligible BB&T checking accounts.
- Optional Verified by Visa protection available for online purchases.
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| Travel and Emergency Assistance* |
- 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.
- Prescription assistance.
- Valuable document delivery assistance.
- Emergency translation services.
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| Additional Benefits |
- Accepted at more than 32 million locations worldwide.
- Can be used at more than 800,000 ATMs worldwide.
- Optional credit account protection.
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*These benefits are provided by Visa. Certain limitations, exceptions and restrictions may apply to these Visa benefits. Details will be provided when you become a cardholder.
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Terms and Conditions
Credit Card Cardholder Agreement and Account Opening Disclosures |
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| Apply in Person |
| Apply in person when you visit your local branch. |
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| Apply by Phone |
| Call us at 1-800-476-4228, Monday through Saturday, 6:00 a.m. to midnight ET. |
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| Send us an Email |
| Feel free to contact us by email |
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Copyright © 2010, Branch Banking and Trust Company. All Rights Reserved.
BB&T Complete Client Protection
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Subject to credit approval. Credit cards are issued by BB&T Financial, FSB, a subsidiary of BB&T Corporation. Member FDIC.
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