Credit Cards

Increase your spending power with low interest rates, rewards and more

Which credit card meets your needs?

Both of our credit cards offer you Visa® Zero Liability, online and mobile banking, alerts, and chip card technology.

BB&T Bright Card

Save money by paying less interest with our lowest annual percentage rate (APR) credit card, the BB&T Bright® card

  • 0% introductory APR for 15 months on purchases and balance transfers
  • Variable APRs ranging from 12.15% to 21.15% afterwards1
  • No annual fee2

BB&T Spectrum Rewards Card

Dollars spent become dollars earned for cash back, gift cards and more with a BB&T Spectrum Rewards® card

  • Earn 3% cash on all net qualified purchases3 within the first 90 days of account opening
  • Earn 1% cash on all net qualified purchases3 thereafter
  • Earn a 5% anniversary bonus on cash earned every year
  • No annual fee2

Related services

Cash back rewards

With BB&T Deals, the more you shop, the more you earn.

Mobile banking

Get mobile banking with check deposit—plus personal financial management tools with U by BB&T®.

Payment preferences

Overdraft protection

Link your BB&T accounts for overdraft protection and get added peace of mind.

1BB&T Bright 12.15% to 21.15% APR (annual percentage rate) and BB&T Spectrum Rewards 13.15% to 22.15% 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 last day of the month. WSJ Prime currently is 4.25% as of June 14, 2017.

2Other fees may apply. Call 800-476-4228 for fees that may apply. Credit Card Disclosure (PDF)

3A net qualified purchase means any signature-based purchase, Internet purchase, phone or mail-order purchase or automatic bill payment made with a BB&T Spectrum Rewards credit card, excluding cash advances, traveler's checks, access checks, balance transfers, credits and returns. Please see Visa's credit card benefits on the Visa website (opens in a new tab) for details.

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