BB&T Rewards Credit Card
Earn valuable rewards with your everyday credit card purchases, like vacations, merchandise, gift cards and more—even cash back. Your BB&T Rewards credit card offers competitive annual percentage rates, with rewards points earned for every $1 spent.
Features
BB&T Rewards credit cardholders enjoy an unrivaled rewards package, with rewards beginning at just 2,000 points:
- Qualified purchases earn 1 reward point for every $1 spent
- Redeem points for travel, merchandise, gift cards—even cash!
- Points can be redeemed anytime at BB&T OnLine®
- Tickets available on most U.S.-based airlines, with no blackout dates
Our account terms and conditions are easy to understand, with no penalty pricing or hidden fees—ever.
- You'll never pay an annual fee1 to use your BB&T Rewards credit card
- You'll receive a 0% Introductory Annual Percentage Rate (APR) for 12 months, followed by variable APR rates of 10.15% to 16.15%, on purchases and balance transfers.
- Your payments will be applied in the following order: interest, fees and balances from highest to lowest APR, and you'll always have 25 days to pay your bill.
- Your late payment fees will never be more than your total minimum payment due, and there's no penalty pricing—your APR will never change due to a late payment.
- You'll pay just a 3.0% ($10 minimum) fee for each balance transfer.
Benefits
Your BB&T Rewards credit card is accepted at more than 32 million locations worldwide, and can be used at more than 800,000 ATMs worldwide. Your account is backed by Visa, and includes built-in safeguards if you ever need travel or emergency assistance2:
- Complimentary rental car insurance, 24-hour roadside and emergency transportation assistance
- Medical, prescription and legal referral assistance
- Travel accident insurance, and pre-trip and lost luggage assistance
- Emergency airline ticket replacement, and valuable document delivery assistance
- Emergency translation services
Access 24/7
Your BB&T Rewards account information is always available—anywhere you have an internet connection:
- Visit BB&T OnLine®—access your account information 24 hours a day, 7 days a week.
- Schedule automatic bill payments.
- Go paperless—view your statements online.
- Set up alerts to monitor account activity.
- Pay your monthly bill directly from your savings account.
Account Protection
At BB&T, your security is our highest priority:
- Guard against unauthorized card use with Visa’s Zero Liability® protection program.
- Sign up for extended warranty and purchase protection2.
- Receive quick delivery of replacement card or emergency cash if your card is lost or stolen.
- Take advantage of optional overdraft protection, available on your eligible BB&T checking accounts.
- Add optional Verified by Visa protection for your online purchases.
Get Assistance
By Phone
Visit a BB&T Financial Center
BB&T Complete Client Protection
Branch Banking and Trust Company, Member FDIC.
Loans, lines of credit and credit cards are subject to credit approval.
1 Transaction, Penalty and Other Applicable Fees:
- Balance Transfers: 3% of each advance ($10 minimum).
- Cash Advances: 3% of each advance ($10 minimum).
- Foreign Transactions: 3% of the U.S. dollar amount of each transaction made in a foreign currency and any transaction made in U.S. dollars that is processed outside of the United States.
- Late Payments: Your account will be charged a late fee of up to $25.00 the first time your payment is not received by the due date. After that, any late payment during the next six billing cycles will result in a late fee of up to $35.00. No late fee will be more than your Total Minimum Payment due.
- Statement Copies: $5 per statement, with a $100 maximum per occurrence.
- Customer Requested Expedited Services: $25.
2 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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