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)

BB&T Bright Credit Card

Save money by paying less interest with our lowest annual percentage rate credit card

Best if you

  • Are considering a balance transfer
  • Will carry a balance from month to month
  • Want a low interest credit card


  • Enjoy Visa's® Zero Liability unauthorized purchase protection
  • Earn money easily with BB&T Deals. Log in to U by BB&T®, pick a deal, shop with your credit card and earn cash back
  • Take advantage of travel and emergency assistance services and auto rental collision damage waiver

Visit Visa(opens in a new tab) to learn about additional card benefits.


  • 0% introductory annual percentage rate (APR) for 15 months on purchases and balance transfers
  • Variable APRs ranging from 11.24% to 20.24% afterwards
  • No annual fee

See our BB&T Bright® Credit Card Disclosure (PDF) for fee details.

Not convinced yet?

The BB&T Bright credit card allows you to set your own card controls and enjoy added security.

Set your own card controls

Get customizable card control features in U by BB&T® that let you choose when, where and how your card is used:

  • Turn your card off instantly if you temporarily misplace it
  • Set geographic limits for fraud protection
  • Manage spending by transaction type or dollar limit

Enjoy added security

  • Add an extra layer of security with fraud alerts—we'll text, email or call you if we suspect suspicious activity
  • Guard against unauthorized credit card use with Visa's Zero Liability Policy(opens in a new tab)
  • Monitor your credit with VantageScore®, provided by Equifax®—your free score and detailed review are updated regularly so you can be confident in your credit decisions

Ready to get started?


Open an account online.

In person

Locate a branch.

Related services

Card Controls

With customizable card controls, you choose when, where and how your BB&T credit and debit cards get used.

Credit Cards

Enjoy a BB&T credit card with competitive rates and cash back options.

How to Make a Mobile Check Deposit

Deposit checks easily and securely from your mobile device with U by BB&T.

Online Banking

Our mobile and online banking experience, U by BB&T, lets you see the big picture and take control of your finances.

  • 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

    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.

  • 3

    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 June 01, 2021.

  • 4

    Other fees may apply. Call 800-476-4228 for fees that may apply or see our BB&T Bright Credit Card Disclosure (PDF).

Fees from your mobile or data carrier may apply. A monthly service fee applies if you choose to access your online banking financial data through QuickBooks® or Quicken® Direct Connect.

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

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

BB&T Complete Client Protection

about Truist Bank