BB&T and SunTrust are now Truist
Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Learn more.(moves focus)
Choose a credit card with benefits that work for you
Both of our credit cards offer you Visa's® Zero Liability Policy, online and mobile banking, alerts, chip card technology and more.
BB&T Vantage Visa Signature credit card
Earn rich rewards on everyday purchases with no fees
- Earn unlimited 1.5% cash rewards on all net qualifying purchases with no revolving categories Disclosure 1
- Redeem rewards with cash back, travel, entertainment, charitable contributions and more
- Avoid paying more with no BB&T fees of any kind
- Enjoy exclusive cardholder benefits such as concierge services, travel perks and more Disclosure 2 Disclosure 3
BB&T Spectrum Travel Rewards credit card
Earn 2x miles on your travel purchases
- Earn 2x miles on air/hotel/car rentals and 1x miles on all other qualifying purchases Disclosure 4
- 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 Entry Disclosure 5
- Use your annual $50 airline incidental credit toward baggage and seat assignment fees, in-flight food and beverages, and more Disclosure 5
A net qualifying purchase means any signature-based purchase, Internet purchase, phone or mail-order purchase or automatic bill payment made with a BB&T Vantage Visa Signature credit card, excluding cash advances, traveler's checks, access checks, balance transfers, credits and returns. See the BB&T Vantage Rewards Program Terms and Conditions (PDF) for more information.
You 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).
See the BB&T Spectrum Travel Rewards Credit Card Terms & Conditions (PDF) for more information.
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.
Member 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(opens in a new tab). For complete details on the Global Entry program, go to globalentry.gov(opens in a new tab). The TSA Pre✓ trademark is used with the permission of the US Department of Homeland Security.
A Spectrum Travel Rewards Visa credit card is issued for accounts with credit limits under $5,000. Visa Signature specific benefits such as Visa Concierge Services are not included with the Spectrum Travel Rewards Visa credit card.
Other fees may apply. Call 800-476-4228 for fees that may apply or see our BB&T Vantage Visa Signature Credit Card Disclosure (PDF) and BB&T Spectrum Travel Rewards Credit Card Disclosure (PDF).
To request a copy of the Bankcard Account disclosures and/or cardholder agreement for your BB&T credit card, contact BB&T BankCard Customer Service at 800-476-4228 Monday through Friday, from 8 am to 8 pm ET, or Saturday from 8 am to 5 pm ET.
A BB&T credit card, loan or line cannot be paid through a balance transfer. Continue to make payments on the existing loan or line until the transfer is posted and complete. Transfer balances are available up to your purchase credit limit. Fees and finance charges will reduce the available purchase credit limit.
The information provided is not intended to be legal, tax, or financial advice. BB&T hopes you find this information useful but we 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.
Truist Bank, Member FDIC and an Equal Housing Lender.
New York City residents: Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca.
Branch Banking and Trust Company is now Truist Bank. Learn more.
BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Our friendly teammates at your local SunTrust branches will be happy to walk you through their respective products. You can also learn more by contacting them at 800-SUNTRUST or SunTrust.com.