BB&T and SunTrust are now 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. Learn more.(moves focus)
Apply for your credit card online in minutes
All of our credit cards offer you Visa's® Zero Liability Policy Disclosure 1 , online and mobile banking, alerts, chip card technology and more.
Low APR credit card
Save money by paying less interest with the low annual percentage rate BB&T Bright credit card
- 0% introductory APR for 15 months on purchases and balance transfers Disclosure 2
- Variable APRs ranging from 11.24% to 20.24% afterwards Disclosure 2
- No annual fee Disclosure 3
Cash rewards credit card
Earn rewards for the things you buy every day with a 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 Disclosure 4 , Disclosure 5
- Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account
- Enjoy flexible rewards you can use for cash back, statement credit, gift cards and more
Travel rewards credit card
Earn 2x miles on your travel purchases and more with a BB&T Spectrum Travel Rewards credit card
- Earn 2x miles on air/hotel/car rentals and 1x miles on all other eligible purchases Disclosure 5
- 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 Disclosure 6
- Use your annual $50 airline incidental credit toward check bag fees, in flight purchases, and more Disclosure 6
Related services
Account Services
It's easier than ever to perform more of your everyday—and not-so-everyday—financial activities.
BB&T Deals
With BB&T Deals, the more you shop, the more you earn.
Card Controls
With customizable card controls, you choose when, where and how your BB&T credit and debit cards get used.
How to Make a Mobile Check Deposit
Deposit checks easily and securely from your mobile device with U by BB&T.
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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.
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2.
BB&T Bright APR for purchases and balance transfers is 0% for 15 months. After that, the APR is determined monthly by adding 7.99%-16.99% to Prime Rate. BB&T Bright 11.24% to 20.24% APR (annual percentage rate), BB&T Spectrum Cash Rewards 13.24% to 22.24% APR, and BB&T Spectrum Travel Rewards 13.24% to 22.24% APR are variable rates tied to The Wall Street Journal (WSJ) Prime + 7.99% to 16.99% (BB&T Bright), and the WSJ Prime + 9.99% to 18.99% (BB&T Spectrum) 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 December 16, 2020.
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3.
Other fees may apply. Call 800-476-4228 or see our credit card disclosures for fees that may apply.
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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.
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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).
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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 tsa.gov(opens in a new tab). For complete details on the Global Entry program, go to globalentry.gov(opens in a new tab). The TSA Pre✓ trademark is used with the permission of the US Department of Homeland Security.
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.
See the Bright Secured Cardholder Agreement (PDF).
See the Bright Cardholder Agreement (PDF).
See the Spectrum Cash Rewards Secured Cardholder Agreement (PDF).
See the Spectrum Cash Rewards Cardholder Agreement (PDF).
See the Spectrum Cash Rewards Signature Retail Cardholder Agreement (PDF).
See the Spectrum Travel Rewards Secured Cardholder Agreement (PDF).
See the Spectrum Travel Rewards Cardholder Agreement (PDF).
See the Spectrum Travel Rewards Signature Retail Cardholder Agreement (PDF).
See the Vantage Visa Signature Consumer Cardholder Agreement (PDF).
To request a copy of the Bankcard Account disclosures and/or cardholder agreement for your BB&T credit card, contact BB&T BankCard Customer Service at 800-476-4228 Monday through Friday, from 8 am to 8 pm ET, or Saturday from 8 am to 5 pm ET.
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.
The information provided is not intended to be legal, tax, or financial advice. BB&T hopes you find this information useful but we cannot guarantee that it is accurate, up to date, or appropriate for your situation. Financial calculators are provided to assist you in estimating the approximate costs associated with any bank activity. Your actual costs may vary. You should consult with a qualified attorney or financial advisor to understand how the law applies to your particular circumstances or for financial information specific to your personal or business situation.
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 www.nyc.gov/dca.
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 SunTrust.com.