BB&T Spectrum Travel Rewards Credit Card

The new BB&T Spectrum Travel Rewards credit card

Earn 2x miles on your travel purchases, and much more

Open an account online for a BB&T Spectrum Travel Rewards credit card - important

Best if you

  • Travel frequently and want to earn double rewards for your travel purchases1
  • Enjoy flexible rewards you can use for travel, gift cards, statement credits and more. Plus, your miles are worth 75% more in value when redeemed for hotel stays.
  • Want to receive statement credit for TSA Pre® or Global Entry, and airline incidentals

Benefits

  • Earn 2x miles on air/hotel/car rentals and 1x miles on all other qualifying purchases (unlimited miles available)1
  • 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 Entry2
  • Use your annual $50 airline incidental credit toward check bag fees, in flight purchases, and more2

Pricing

  • Variable Annual Percentage Rates (APR) ranging from Prime + 9.99% to Prime + 18.99%; current rates are 15.24% to 24.24%3
  • No annual fee for the first year, and $89 thereafter4
  • No foreign transaction fee4

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

The BB&T Spectrum Travel 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?

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Not convinced that a BB&T Spectrum Travel Rewards credit card is right for you? Compare credit card 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.

1You 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).

2Member 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. For complete details on the Global Entry program, go to globalentry.gov. The TSA Pre® trademark is used with the permission of the U.S. Department of Homeland Security.

3BB&T Bright 13.24% to 22.24% APR (annual percentage rate), BB&T Spectrum Cash Rewards 15.24% to 24.24% APR, and BB&T Spectrum Travel Rewards 15.24% to 24.24% 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 5.25% as of September 26, 2018.

4Other fees may apply. Call 800-476-4228 for fees that may apply. See our BB&T Spectrum Travel Rewards credit card disclosure (PDF) (opens in a new tab).

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.

Fees from your mobile or data carrier may apply. A monthly service fee applies if you choose to access your online banking financial data through QuickBooks® or Quicken® Direct Connect.

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.

The VantageScore® by Equifax® credit score provided in U by BB&T is for educational purposes only. To obtain a free, full copy of your credit report, visit AnnualCreditReport.com (opens in a new tab).

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.

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