BB&T Spectrum Cash Rewards Credit Card
Best if you
- Use your card for everyday spending
- Want to be rewarded for your purchases1
- 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 purchases1, 2
- 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 more1
- 0% introductory Annual Percentage Rate (APR) for 12 months on purchases and balance transfers3
- Variable APRs ranging from Prime + 9.99% to Prime + 18.99%; current rates are 15.24% to 24.24%3
- No annual fee4
See our BB&T Spectrum Cash Rewards Credit Card Disclosure (PDF) for fee details.
How much cash back can I earn?
Enter your monthly spending to see why it pays to use the BB&T Spectrum Cash Rewards credit card.
All fields should be US dollars rounded to the nearest dollar. The updated total is announced automatically. It can also be located under the "Results" heading.
*Monthly spending amount over $1,000 in the 3% and 2% bonus combined categories earns a flat cashback rate of 1%. 10% bonus for cash back deposited in your BB&T account. Calculations are for estimation purposes only and actual results may vary; see disclosures for more details.
Not convinced yet?
The BB&T Spectrum Cash Rewards credit card allows you to set your own card controls and enjoy added security.
Set your own card controls
Get customizable card control features in U by BB&T® that let you choose when, where and how your card is used:
- Turn your card off instantly if you temporarily misplace it
- Set geographic limits for fraud protection
- Manage spending by transaction type or dollar limit
Enjoy added security
- Add an extra layer of security with fraud alerts—we'll text, email or call you if we suspect suspicious activity
- Guard against unauthorized credit card use with Visa's Zero Liability Policy (opens in a new tab)
- Monitor your credit with VantageScore®, provided by Equifax®—your free score and detailed review are updated regularly so you can be confident in your credit decisions
Ready to get started?
Open an account online.
Locate a branch.
Not convinced that a BB&T Spectrum Cash Rewards credit card is right for you? Compare credit card options.
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.