BB&T Spectrum Rewards Card

Earn rewards for the things you buy every day

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Best if you

  • Use your credit card for everyday spending
  • Want a credit card with clear and flexible rewards


  • Earn 3% cash back on net qualified purchases1 for the first 90 days
  • Earn 1% cash back on all net qualified purchases1 after 90 days
  • Earn a 5% anniversary bonus on cash earned every year
  • Earn an additional 30% bonus on cash earned when spending $50,000 or more annually
  • Earn money easily with BB&T Deals. Log in to U by BB&T, pick a deal, shop with your credit card and earn cash back.
  • Visit Visa® website (opens in a new tab) to learn about additional card benefits


  • 0% introductory APR for 12 months on purchases and balance transfers
  • Variable APRs ranging from 13.65% to 22.65% afterwards2
  • No annual fee3

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

The Spectrum Rewards card includes a number of extras plus convenient access options.

Enjoy added security

  • Guard against unauthorized credit card use with Visa's Zero Liability Policy® (opens in a new tab)
  • Add an extra layer of security with fraud alerts—we'll text, email or call you if we suspect suspicious activity
  • Link your Spectrum Rewards card to Visa Checkout®4 and securely pay online in a flash
  • Use your Spectrum Rewards card at chip-enabled terminals for enhanced fraud protection
  • Set-up overdraft protection available on your eligible BB&T checking account

Keep tabs on your account

  • Use U by BB&T®, our customizable online and mobile banking experience, to monitor your BB&T and non-BB&T accounts, pay bills, set and track spending, manage your receipts and more
  • Monitor your credit with VantageScore®, provided by Equifax®.Your free score5 and detailed review are updated regularly so you can be confident in your credit decisions.
  • Receive important account alerts by email or text
  • Choose online statements for convenient access to your account statements from your computer or mobile device

Ready to get started?

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Not convinced that a BB&T Spectrum Rewards card is right for you?

1A net qualified purchase means any signature-based purchase, Internet purchase, phone or mail-order purchase or automatic bill payment made with a BB&T Spectrum Rewards credit card, excluding cash advances, traveler's checks, access checks, balance transfers, credits and returns. Please see Visa's credit card benefits on the Visa website (opens in a new tab) for details.

2BB&T Bright 12.65% to 21.65% APR (annual percentage rate) and BB&T Spectrum Rewards 13.65% to 22.65% APR are variable rates tied to The Wall Street Journal (WSJ) Prime + 7.9% to 16.9% (BB&T Bright), and the WSJ Prime + 8.9% to 17.9% (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 4.75% as of March 21, 2018.

3Other fees may apply. Call 800-476-4228 for details or see our BB&T Spectrum Rewards Credit Card Disclosure (PDF).

4Visa Checkout is a service of Visa, Inc. Terms and conditions may apply.

5The 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 (opens in a new tab).

Equifax is a registered trademark of Equifax, Inc. VantageScore is a registered trademark of VantageScore Solutions, LLC.

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.

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