BB&T Spectrum Cash Rewards Credit Card

• Use your card for everyday spending
• Want to be rewarded for your purchases Disclosure 1 1 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.
• Like more ways to use your rewards including cash back, statement credit, gift cards, merchandise and more

• Get 3% cash back on gas, 2% cash back on utilities and groceries, and 1% cash back on all other qualifying purchases Disclosure 1 1 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. , Disclosure 2 2 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).
• 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 Disclosure 1 1 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.

• 0% introductory Annual Percentage Rate (APR) for 12 months on purchases and balance transfers Disclosure 3 3 BB&T Spectrum Cash Rewards APR for purchases and balance transfers is 0% for 12 months. After that, the APR is determined monthly by adding 9.99%-18.99% to prime rate. BB&T Bright 12.99% to 21.99% APR (annual percentage rate), BB&T Spectrum Cash Rewards 14.99% to 23.99% APR, and BB&T Spectrum Travel Rewards 14.99% to 23.99% 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 5.00% as of September 19, 2019.
• Variable APRs ranging from Prime + 9.99% to Prime + 18.99%; current rates are 14.99% to 23.99% Disclosure 3 3 BB&T Spectrum Cash Rewards APR for purchases and balance transfers is 0% for 12 months. After that, the APR is determined monthly by adding 9.99%-18.99% to prime rate. BB&T Bright 12.99% to 21.99% APR (annual percentage rate), BB&T Spectrum Cash Rewards 14.99% to 23.99% APR, and BB&T Spectrum Travel Rewards 14.99% to 23.99% 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 5.00% as of September 19, 2019.
• No annual fee Disclosure 4 4 Other fees may apply. Call 800-476-4228 for fees that may apply or see our BB&T Spectrum Rewards Credit Card Disclosure (PDF).

See our BB&T Spectrum Cash Rewards Credit Card Disclosure (PDF) for fee details.