Credit Cards for BB&T Teammates

Choose the credit card that fits your lifestyle

All we see is you

As a way of saying thank you for everything you do to make BB&T now Truist successful, we're proud to provide the enhanced Teammate Banking program. The program provides more privacy, easy access, and benefits available only to teammates. Why? Because you deserve it.

Apply for your credit card online in minutes

All of our credit cards offer you Visa's® Zero Liability Policy , online and mobile banking, alerts, chip card technology and more.

BB&T Bright credit card

  • 0% introductory APR for 15 months on purchases and balance transfers
  • 5.24% APR (Annual Percentage Rate)
  • No annual fee

BB&T Spectrum Cash Rewards credit card

  • Get 3% cash back on gas, 2% cash back on utilities and groceries, and 1% cash back on all other eligible purchases ,
  • Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account
  • 0% introductory APR for 12 months on purchases and balance transfers

BB&T Spectrum Travel Rewards credit card

  • Earn 2x miles on air/hotel/car rentals and 1x miles on all other eligible purchases
  • Earn 20,000 bonus miles when you spend $2,000 in the first 90 days ($200 value)
  • Get an $85 credit for TSA Pre✓® or Global Entry
  • Use your annual $50 airline incidental credit toward check bag fees, in flight purchases, and more
  • No annual fee for the first year, and $89 thereafter

How we protect your privacy

Teammate Banking is committed to ensuring that each of our teammates and retirees experience the highest levels of confidentiality and respect. We have a centralized team responsible for preventing non-business access to teammate account information. To protect your privacy, we display and record a Code of Ethics warning message when a teammate attempts to view client and/or account information of another teammate.

Ready to get started?

By email

Have a Teammate Banking representative contact you.

In person

Locate a branch.

By phone


Monday - Friday 8 am to 6 pm ET.

Still exploring?

Tips for First-Time Credit Card Users  (Article)

It's the perfect time to educate yourself in the ways of responsible credit card use.

Understanding Your Credit Report  (Article)

We'll help you cut through the clutter and obtain valuable—and often free—information about your credit.

Related services

Checking and Savings for BB&T Teammates

Enjoy the best checking we offer with an Elite Gold checking account. Take advantage of no monthly maintenance fees or minimum balance requirements. Plus, you'll get additional discounts on other features.

Investment Services for BB&T Teammates

Trade online through BB&T Investments self-directed brokerage and get a free financial consultation.

Lending Options for BB&T Teammates

Get discounted rates on your mortgage, home equity and auto loans.

McGriff Insurance Services

All BB&T teammates and retirees can take advantage of competitive insurance rates through the nation's top-rated agencies.

  • 1

    The Visa® Zero Liability Policy(opens in a new tab) covers US issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify BB&T immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your cardholder agreement.

  • 2

    BB&T Bright for Associates APR for purchases and balance transfers is 0% for 15 months. After that, for BB&T Associates the APR is determined monthly by adding 1.99% to prime rate. BB&T Spectrum Cash Rewards for Associates APR for purchases and balance transfers is 0% for 12 months. After that, for BB&T Associates the APR is determined monthly by adding 3.99% to prime rate. BB&T Bright for Associates 5.24% APR (annual percentage rate), BB&T Spectrum Cash Rewards for Associates 7.24% APR, and BB&T Spectrum Travel Rewards for Associates 7.24% APR are variable rates tied to The Wall Street Journal (WSJ) Prime + 1.99% (BB&T Bright for Associates), and the WSJ Prime + 3.99% (BB&T Spectrum for Associates) based on credit history. The Prime Rate used to determine your APR is a variable rate and is the highest prime rate published in WSJ as of the first day of the month. WSJ Prime currently is 3.25% as of September 1, 2021.

  • 3

    Other fees may apply. Call 800-476-4228 or see our credit card disclosures for BB&T Bright for Teammates, BB&T Spectrum Cash Rewards for Teammates and BB&T Spectrum Travel Rewards for Teammates for fees that may apply. 

  • 4

    There is a monthly cap (first day of a month through the last day of a month) of $1,000 on spend at the bonus rate combination of 3% at gas stations and 2% at grocery store/supermarkets and utilities. Once the $1,000 monthly spend limit is reached, you will earn the base rewards of 1% for those purchases.

  • 5

    You may earn rewards on eligible purchases made with your credit card. Eligible purchases include any signature-based purchase, Internet purchase, phone or mail-order purchase or automatic bill payment, excluding cash advances, traveler’s checks, access checks, balance transfers, money orders, cash equivalents, fees, interest charges, credit insurance, fraudulent transactions, credits and returns (each a qualifying purchase).

  • 6

    Member is eligible for a statement credit of up to $50 each calendar year on qualifying airline incidental transactions. To qualify, a member must use the BB&T Spectrum Travel Rewards credit card to pay for the airline incidental transactions. A member is entitled to one $85 statement credit per account every four years, in connection with either the TSA Pre✓® ($85) or Global Entry ($100) program. To qualify, a member must use the BB&T Spectrum Travel Rewards credit card to pay the application fee. For complete details on the TSA Pre✓ program, go to in a new tab). For complete details on the Global Entry program, go to in a new tab). The TSA Pre✓ trademark is used with the permission of the US Department of Homeland Security.

  • 7

    Other fees may apply. Call 800-476-4228 or see our credit card disclosures for fees that may apply.

  • 8

    Mortgage Lending is equally committed to safeguarding associate information and adhering to the Code of Ethics policies. Mortgage applications are originated outside of the Associate Banking platform; therefore, the automated privacy messages do not apply.

Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please refer to Visa's Guide to Benefits for further details.

A BB&T credit card, loan or line cannot be paid through a balance transfer. Continue to make payments on the existing loan or line until the transfer is posted and complete. Transfer balances are available up to your purchase credit limit. Fees and finance charges will reduce the available purchase credit limit.

Only deposit products are FDIC insured.

Loans, lines of credit and credit cards are subject to credit approval.

FCRA Risk-Based Pricing Notice: The terms offered are set based on whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to obtain a free copy of the report from the consumer reporting agency: Equifax Information Services, LLC, Mail drop H-13, 1550 Peachtree Street, Atlanta, GA 30309, 800-685-1111.

Truist Bank, Member FDIC and an Equal Housing Lender. 

New York City residents: Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at

Branch Banking and Trust Company is now Truist Bank. Learn more.

BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Our friendly teammates at your local SunTrust branches will be happy to walk you through their respective products. You can also learn more by contacting them at 800-SUNTRUST or

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