Secured Credit Cards

Establish or rebuild your credit as you increase your spending power

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

  • Build your credit as you pay for your purchases
  • Earn interest on your security deposit in a BB&T Secured Credit Card Savings account
  • Competitive rates and a low annual fee1, 2

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 purchases3, 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 purchases4
  • 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 Entry5
  • Use your annual $50 airline incidental credit toward check bag fees, in flight purchases, and more5

Still exploring?

Establishing a solid credit history will become one of your most powerful financial assets as you progress throughout life. It can impact your ability to get a job, purchase insurance, finance a car or rent an apartment.

A credit report is a detailed account of your individual credit history, compiled by one of the three major credit reporting companies (Experian, TransUnion, Equifax). Creditors use these reports to evaluate an individual's ability and willingness to repay debt. Banks, department stores, the IRS, the court system, doctors, hospitals, utilities, and other companies all submit payment information directly to the credit reporting companies.

Related services

Credit cards 

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

Card controls

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

U by BB&T

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

Digital wallet

Shop in stores, online and in apps with your BB&T credit and debit cards, using Apple Pay®, Google PayTM and Samsung Pay®. Or, pay online with Visa Checkout®.

1BB&T Bright Secured card 19.49% APR (Annual Percentage Rate), BB&T Spectrum Cash Rewards Secured card 21.49% APR, and BB&T Spectrum Travel Rewards Secured card 21.49% 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 5.50% as of December 20, 2018.

2Other fees may apply. Call 800-476-4228 or see our credit card disclosures for fees that may apply.

3There is a monthly cap (first day of a month through the last day of a month) of $1,000 on rewards earned at the bonus rate combination of 3% at gas stations and 2% at grocery store/supermarkets and utilities. Once the $1,000 monthly limit is reached, you will earn the base rewards of 1% for those purchases.

4You 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).

5Member 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 For complete details on the Global Entry program, go to The TSA Pre® trademark is used with the permission of the U.S. 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 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