BB&T Spectrum Rewards
Credit Card

You've found the card with a clear and flexible rewards program that isn't about points. Dollars spent equal dollars earned for cash back, gift cards, merchandise, travel and more.


BB&T Spectrum RewardsTM credit cardholders can:

  • Earn 3% cash on all net qualified purchases1 for the first 90 days
  • Earn 1% cash on all net qualified purchases1 thereafter
  • 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


Redeem Rewards


Have peace of mind with complete protection.2

  • Zero liability on unauthorized purchases
  • Warranty manager service and purchase security
  • Travel and emergency assistance services
  • Travel accident insurance

Access 24/7

Your card account information is always available—anywhere you have an internet connection:

  • Visit BB&T Online® Banking—access your account information 24 hours a day, 7 days a week
  • Schedule automatic bill payments
  • Go paperless—view your statements online
  • Set up BB&T alerts to monitor account activity3
    Pay your monthly bill directly from your BB&T account

Account Protection

At BB&T, your security is our highest priority:

  • Guard against unauthorized card use with Visa’s Zero Liability® protection program
  • Enjoy additional protection when making online purchases by linking your card to Visa Checkout
  • Warranty manager service and purchase security2
  • Receive quick delivery of replacement card or emergency cash if your card is lost or stolen
  • Take advantage of optional overdraft protection, available on your eligible BB&T checking account
  • Use a BB&T chip card for purchases at chip-enabled terminals to receive enhanced fraud protection

Get Assistance


Call us at 800-476-4228, Monday through Saturday, 6 am to midnight ET.

Visit a BB&T Financial Center