BB&T Visa Rewards Card: Frequently Asked Questions

Get the most from your BB&T Visa Rewards Card

Learn more about how the card works, where it's accepted, associated fees and more.

General questions

What is the BB&T Visa Rewards Card?

The BB&T Visa® Rewards Card is a prepaid card, not a credit card. The value of the rewards card is limited to the amount of money loaded on the card. 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 rewards card allows you to buy what you want, when you want, at millions of merchants in the United States where Visa debit cards are accepted.

How does my BB&T Visa Rewards Card work?

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

Using your BB&T Visa Rewards Card

My BB&T Visa Rewards Card doesn't have my name on it. Can I still use it?

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

How do I know the value of my BB&T Visa Rewards Card?

The original value of your rewards card should be noted on the card carrier, and it could also be printed on the front of the card. You can also check the available balance on your card by visiting bbt.com/rewardcard(opens in a new tab) or by calling 866-594-2076.

Can I use my BB&T Visa Rewards Card at more than one place?

Yes, that's the best feature of the BB&T Visa Rewards Card! You can use your rewards card at millions of locations where Visa debit cards are accepted in the United States.

Can I use my BB&T Visa Rewards Card at an ATM?

No, you cannot use your rewards card to access cash at an ATM or through a cash advance.

Can I use my BB&T Visa Rewards Card to get cash at the checkout?

No, you cannot use your rewards card to access cash; the card doesn't have a "cashback" feature.

Are there fees associated with the BB&T Visa Rewards Card?

Yes, there's a $3.50 monthly fee (effective after 6 months of activation). A balance transfer fee of $15 is charged when card unload service is requested. Please see the BB&T Visa Rewards Card Cardholder Agreement for additional fee details.

How do I check the balance on my BB&T Visa Rewards Card?

To check the available balance on your rewards card, visit bbt.com/rewardcard(opens in a new tab) or call 866-594-2076.

How can I purchase an item that costs more than the balance on my BB&T Rewards Card?

When paying for a purchase with your rewards 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
  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 BB&T Visa Rewards Card signifies that you accept the Terms & Conditions.

Can I use my BB&T Visa Rewards Card for online or phone purchases?

Yes. However, you must first register your rewards card by visiting bbt.com/rewardcard(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 BB&T Visa Rewards Card at gas stations?

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

Can I use my BB&T Visa Rewards 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 your rewards 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 BB&T Visa Rewards Card for car rentals, airline tickets or hotels?

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

What should I do if my BB&T Visa Rewards Card is declined?

If a transaction is declined, you should first check your balance on the rewards card by visiting bbt.com/rewardcard(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 BB&T Visa Rewards Card?

You may need to present your rewards 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 BB&T Visa Rewards Card once the balance is depleted?

Keep your rewards 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 BB&T Visa Rewards Card after the "good thru" date?

The rewards card expires on the "good thru" date, and you can no longer use it. Any remaining funds will be forfeited and won't be accessible.

See our Reward Card Agreement for details.

Branch Banking and Trust Company, Member FDIC.