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)
Help build your credit. Help secure your future.
Whether you need to establish or rebuild credit, secured credit cards from BB&T can help you reach your goals.
Low APR secured credit card
Save money by paying less interest with BB&T Bright, our lowest annual percentage rate secured credit card
Cash rewards secured credit card
Earn rewards like cash back as you shop for the items you need every day with a BB&T Spectrum Cash Rewards secured credit card
- Strengthen your credit as you earn 3% cash back on gas, 2% cash back on utilities and groceries, and 1% cash back on all other eligible purchases Disclosure 3 , Disclosure 4
- 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 secured credit card
Get 2x miles on your travel purchases as you enjoy a number of additional benefits for travelers with a BB&T Spectrum Travel Rewards secured credit card
- Build your credit as you earn 2x miles on air/hotel/car rentals and 1x miles on all other eligible purchases Disclosure 4
- 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 5
- Use your annual $50 airline incidental credit toward check bag fees, in flight purchases, and more Disclosure 5
5% Cashback on grocery and pharmacy purchases
In an effort to help support our clients during the coronavirus pandemic, BB&T is providing 5% cashback on qualifying grocery and pharmacy purchases when you use your BB&T consumer credit card through April 15, 2020.
Credit Reports (Article)
Your credit history may change frequently. By monitoring it on a regular basis, you can be more aware of any fraudulent activity.
How Do I Build Credit? (Article)
Establishing credit is the first step toward future life purchases such as a house or car.
BB&T Bright Secured card 18.74% APR (Annual Percentage Rate), BB&T Spectrum Cash Rewards Secured card 20.74% APR, and BB&T Spectrum Travel Rewards Secured card 20.74% APR are variable rates tied to The Wall Street Journal (WSJ) Prime Rate. For BB&T Bright Secured cards, the rate for purchases and balance transfers is determined by adding 13.99% to WSJ Prime. For BB&T Spectrum Cash Rewards Secured cards and BB&T Spectrum Travel Rewards Secured cards, the rate for purchases and balance transfers is determined by adding 15.99% to WSJ Prime. The rate for cash advances is determined by adding 18.99% to WSJ Prime. The WSJ Prime Rate used to determine the APR is 4.75% as of January 31, 2020.
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.
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).
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 our Cardholder Agreement (PDF) for secured cards.
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 Saturday, from 6 am until midnight 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.
Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender.
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.