BB&T Visa Gift and Reward Cards: Frequently Asked Questions

General questions

What is the BB&T Visa® Gift Card?

The BB&T Visa Gift Card is a prepaid card, not a credit card. The value of the gift card is limited to the amount of money loaded on the card by the purchaser. It carries the Visa logo, like any Visa credit or check card, but because it's a prepaid card, your spending is limited to the amount of money placed on the card by the purchaser. The gift card allows you to buy what you want, when you want, at millions of merchants where Visa debit cards are accepted.

How does the BB&T Visa Gift Card work?

Using your gift card for a purchase is similar to using any Visa card. Each time you use your gift card, the purchase amount is automatically deducted from your available balance. Knowing your balance before you shop will ensure your card is accepted. You can check your balance anytime by visiting www.bbtgiftcard.com(opens in a new tab) or by calling 866-594-2076.

Buying a BB&T Visa Gift Card

How do I purchase a gift card?

Visit your local BB&T branch to purchase the gift card.

Do I have to be a BB&T client to purchase a BB&T Visa Gift Card?

Yes, BB&T Visa Gift Cards are sold only to BB&T clients.

Is there a limit to the dollar value that can be loaded onto the gift card?

Gift cards can be purchased in any dollar amount you choose from $25 to $500.

Will I be charged a fee for purchasing a gift card?

Yes, there's a sales fee of $3.95 for each gift card purchased.

What should I do if the recipient never receives the gift card I sent?

If the gift card you sent isn't received within a reasonable time, please call 866-594-2076 for assistance.

How do I order gift cards for my business?

You can place an order for a BB&T Visa Rewards Card by calling or visiting your local branch. Learn more about purchasing a rewards card.

Using your BB&T Visa Gift Card

My gift card doesn't have my name on it. Can I still use it?

Yes, you can still use your gift card even though your name doesn't appear on the card.

How do I know the value of my gift card?

You can check the available balance on your gift card by visiting www.bbtgiftcard.com(opens in a new tab) or calling 866-594-2076.

Can I use my gift card at more than one place?

Yes, you can use your gift card at millions of locations where Visa debit cards are accepted in the United States and its territories.

Can I use my gift card at an ATM?

No, you can't use your gift card to access cash at an ATM or through a cash advance.

Can I use my gift card to get cash at the checkout?

No, you can't use your gift card to access cash. It doesn't have a "cashback" feature.

Are there fees associated with the gift card?

Yes, there's a $3 monthly inactivity fee (effective after 12 months of dormancy). There's also a $15 balance transfer fee that's charged at time of card escheatment or expiration (only applies to a card with expiration of 04/2025 and beyond). Please see the BB&T Visa Gift Card Cardholder Agreement for complete details.

How do I check the balance on my gift card?

To check the available balance on your gift card, visit www.bbtgiftcard.com(opens in a new tab) or call 866-594-2076.

How can I purchase an item that costs more than the balance on my gift card?

When paying for a purchase with your gift card and a second method of payment: 1) Let the merchant know in advance you'll be using two methods of payment; 2) Present the card in advance and state the amount to be deducted; and 3) Pay the merchant the difference with a second form of payment—cash, check or credit/debit card.

Do I have to accept the Terms and Conditions described in the Cardholder Agreement?

Using your gift card signifies that you accept the Terms & Conditions.

Can I use my gift card for online or phone purchases?

Yes, however you must first register your card, by visiting www.bbtgiftcard.com.(opens in a new tab) When you make your online purchase or phone purchase, be sure to use the same name, address and phone number you used when you registered your card.

Can I use my gift card at gas stations?

Yes. However, you must give your card to the station attendant and state exactly how much you want to purchase. The gift card cannot be used to pay at the pump.

Can I use my gift card at restaurants?

Yes. However, you should be aware that many restaurants factor in an automatic tip or other expenses above the purchase amount when authorizing card purchases. If your bill, plus the estimated tip or other expenses, exceeds the balance on the gift card, it may be declined. If this situation occurs, ask the merchant to deduct a specific amount from the card and use another method of payment for the balance.

Can I use my gift card for car rentals, airline tickets or hotels?

No, the gift card cannot be used for car rentals, airline tickets or hotels.

What should I do if my gift card is declined?

If a transaction is declined you should first check your balance on the card by visiting www.bbtgiftcard.com(opens in a new tab) or by calling 866-594-2076. If your transaction was declined even though there were sufficient funds on your card, call 866-594-2076 for assistance.

What if I need to return an item I purchased with my gift card?

You may need to present your gift card at the time of merchandise return. If the merchant's return policy allows it, the merchant will credit the amount of the purchase back on your card. Remember to save your receipt and the card even after you have spent all the funds in case there are any merchandise returns.

What if I change my mind and want to cancel a purchase?

A merchant may cancel the transaction at your request. However, if the merchant has already obtained an authorization for your transaction, funds equal to the authorization amount will not be available for purchases for 3 to 7 business days.

What should I do with my gift card once the balance is depleted?

Keep your card, even after the balance is depleted, in case you need to return any purchased items. You may be asked to present the card when returning items purchased with the card.

What do I do if I have a remaining balance on my gift card after the Good Thru date?

The gift card expires on the Good Thru date and you can no longer use it. Any remaining funds will be forfeited and not accessible to cardholder.

BB&T Visa Gift Cards are available only to BB&T clients.

See our Gift Card Terms and Conditions (PDF) (opens in a new tab) with an expiration date before 04/2025, OR our Gift Card Terms and Conditions (PDF) (opens in a new tab) with an expiration date of 04/2025 and beyond. 

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