BB&T Bright Card

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

Open an account online for a BB&T Bright Card credit card - important

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 protection1
  • 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 emergency assistance and accident insurance1
  • Visit Visa website (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 12.65% to 21.65% afterwards2
  • No annual fee3

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

The Bright card includes a number of extras plus convenient access options.

Enjoy added security 

  • Guard against unauthorized credit card use with Visa's Zero Liability® Policy (opens in a new tab)
  • Add an extra layer of security with fraud alerts—we'll text, email or call you if we suspect suspicious activity
  • Link your Bright card to Visa Checkout®4 and securely pay online in a flash
  • Use your Bright card at chip-enabled terminals for enhanced fraud protection

Keep tabs on your account

  • Use U by BB&T®, our customizable online and mobile banking experience, to monitor your BB&T and non-BB&T accounts, pay bills, set and track spending, manage your receipts and more
  • Monitor your credit with VantageScore®, provided by Equifax®.Your free score5 and detailed review are updated regularly so you can be confident in your credit decisions.
  • Receive important account alerts by email or text
  • Choose online statements for convenient access to your account statements from your computer or mobile device

Ready to get started?

In person

Locate a branch.

Not convinced that a Bright card is right for you?

1These benefits are provided by Visa. Certain limitations, exceptions and restrictions may apply to these Visa benefits. Please see Visa's credit card benefits (opens in a new tab) for details.

2BB&T Bright 12.65% to 21.65% APR (annual percentage rate) and BB&T Spectrum Rewards 13.65% to 22.65% APR are variable rates tied to The Wall Street Journal (WSJ) Prime + 7.9% to 16.9% (BB&T Bright), and the WSJ Prime + 8.9% to 17.9% (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 4.75% as of March 21, 2018.

3Other fees may apply. Call 800-476-4228 for fees that may apply. See our BB&T Bright Credit Card Disclosure (PDF).

4Visa Checkout is a service of Visa, Inc. Terms and conditions may apply.

5The VantageScore® by Equifax® credit score provided in U by BB&T is for educational purposes only. To obtain a free, full copy of your credit report, visit (opens in a new tab).

Equifax is a registered trademark of Equifax, Inc. VantageScore is a registered trademark of VantageScore Solutions, LLC.

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 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.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. Equal Housing Lender icon