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's unlike any other—we want to maintain a relationship with you based on trust.

Features

Straightforward Terms	No annual fee 0% Introductory Annual Percentage Rate (APR) on purchases and balance transfers for twelve months. A 3.0% ($10 minimum, $99 maximum) fee applies for each balance transfer. No penalty pricing. APRs will not increase with a late payment. Account may be subject to a late fee if your payment is not made by your due date. The fee will be $25 for the first late payment. Any late payment during the next six billing cycles will result in a fee of up to $35. No late fee will be more than your total minimum payment due. 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.
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 one point for every $1 in qualified purchases. Receive 1,500 bonus points after first purchase. Reach 2,000 points and you're eligible for a $10 gift card.
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.
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

Benefits

Accepted at more than 32 million locations worldwide
Can be used at more than 800,000 ATMs worldwide
Optional credit account protection

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

* 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.