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Bbt spectrum credit card

bbt spectrum credit card

BB&T Spectrum Cash Rewards Credit Card The BB&T Spectrum Cash Rewards card is the best option for everyday expenses as a consumer because you'. HOW TO GET APPROVED FOR $20,000 LIMIT BB&T SPECTRUM CASH REWARDS CREDIT CARD! WHAT YOU NEED TO KNOW! | Suntrust Auto Loan. August 25, 2021. The best rewards a BB&T credit card has come from the BB&T Spectrum Cash Rewards Credit Card; this card gives 3% cash back on gas, 2% cash back on utilities and.
bbt spectrum credit card

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The more clients use their BB&T Debit Card, the more offers they receive and more opportunities they have to receive cash back on purchases. Cash back for redeemed offers is automatically deposited into the client's designated BB&T account during the month following the purchase, for most purchases.

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Similarly, you may ask, how do I redeem my BB&T cash back?

You must call the BB&T Rewards Center at 1-844-295-4937 from 8 a.m. - midnight ET, seven days a week, or visit the Program's website through Online Banking at to redeem your accrued Cash Back.

Similarly, what credit bank of eastman magnolia state bank do you need for a BB&T credit card? Credit cards offered by BB&T are designed for people with excellent credit (i.e. a score of at least 750).

In respect to this, how do I redeem my BBT reward points?

The rewards earned with your BB&T credit card can be redeemed for items posted on the BB&T Spectrum Rewards Program website at Rewards may also be redeemed by calling the BB&T Rewards Center at 800-778-1721.

Does BB&T offer secured credit cards?

BB&T Bank offers secured credit card options that come with certain perks you can typically find with an unsecured rewards card. Secured credit cards are designed to help people build or rebuild their credit.


Bb&t Spectrum Credit Card Login

How To Login And Verify Your Alipay Without Chinese Bank Account

Finally, you can open an Alipay account. Login & Verify Your Alipay Account without having a Chinese bank account! Signing up for Alipay has always been simple, but verifying an Alipay account as a foreigner has been tough in the past. To complete the verification, you must have a Chinese bank card, which is a very high bar. However, Alipay's standards have altered in the recent two years, and currently having a verified Alipay requires simply a passport and facial verification. I'll show you how to set up and verify your Alipay account without needing a Chinese bank card in this article. 1. Why Do You Need An Alipay Account That Has Been Verified? If you plan to use Alipay frequently, I recommend that you verify your account. You can still shop on Taobao and login taobao with alipay if you don't authenticate your Alipay account. However, there are other advantages to having a verified Alipay account: • Your Alipay and Taobao accounts are now safer when you login taobao with alipay. Alipay will trust you more now that your account has been validated using your true name, and will not freeze or restrict your account in the future. • Your tour pass funds are better safeguarded. To be honest, your tour pass money is now at risk, and Alipay may suspend or terminate your account at any time. Your tour pass will be safer with verified Alipay. • Make sure your account is active. If you have a 1688 account, you can finish the verification process by linking it to your validated Bbt spectrum credit card account. This will also drastically reduce the chances of your 1688 account being limited or preventing you from logging in. 2. Open an Alipay account You can register on your computer or your phone, but Alipay will still require you to download the app to finish the verification process, therefore I recommend downloading the Alipay app immediately to register. Step 1: Get the Alipay app and install it. By searching for Alipay() on Google Play or Apple's App Store, you can get it right away. When you install Alipay, you should provide it access to your camera because we'll need it to scan your passport and do face recognition later when verifying your Alipay. Step 2: Type in your phone number. Now go to your Alipay app and open it. If the page bbt spectrum credit card in Chinese, click the "language()" button in the upper right corner to change it to English. On this page, there is just one thing we need to do: enter your phone number. The default country code is 86, which must be replaced with your local area code. Then alipay login with phone number that enter next to it, being sure not to include the "0" in front of it. Step 3: Register When Alipay detects that this is a new mobile number, it will direct you to the sign-up page. You must select your area code and enter your mobile number again, like in the previous stage. Step 4: Type the Verification Code in the box provided. After that, you'll be taken to a page where you can agree or disagree. Fill in the 4-digit verification code you received on the verification code page. If everything goes smoothly, you'll be directed to the Alipay homepage; after that, we'll authenticate your Alipay account. On the user center page, click "Me" in the bottom right corner. 3. Verify Your Alipay Account Step 1: Go to the profile page in the User Center by clicking the arrow in the upper right corner. Step 2: The second column (Real-name verification) on the profile page is greyed out (Unverified), so we'll click here to do the verification. Step 3: Now we'll go to the identity verification page, where you'll notice three options: first national bank severna park Passport chip & face verification • Passport chip & facial verification • Mainland China bank card • Face verification Usually, we go for the simplest option – verify face. The mainland remains the best way of verification. After completing the bank verification process in China, you can use your Alipay balance to receive and pay larger amounts. However, opening a Chinese bank account is not simple; you must visit China in person to do so. You will not be able to open an account from outside of your country. If you're interested in learning more, check out this article on how to open a bank account in China as a foreigner. Step four: The first step is to scan your passport, which should be done in a well-lit environment. Step 5: It will then take you to the face recognition page, where you may verify your identity by clicking "verify." Step 6: If everything is in order, they will send you a brief message stating that the verification has been completed. You'll be in the certification center as well. You can see that your personal information is "Incomplete." To change your personal information, go here. Step 7: On the personal information page, you'll notice that two fields are blank: "Occupation type" and "Address." Step 8: Select "Occupation type" from the various alternatives that appear, and choose one that best suits your needs. Step 9: From the drop-down option, choose "Address." Under "Location," pick "(overseas)" for both state and city, then click "(confirm)&quot. In the "Address" field, you can input your street address. Then, to finish the process, click "Save." Step 10: On your personal profile page, you'll notice that the second column (Real-name verification) has become blue when you've completed the preceding steps (Verified). You now have an Alipay personal account that has been verified! 4. Create an Alipay login and payment password, as well as an email address. We'll need to set up your Alipay account after you've registered and verified it to make it more convenient and safe for future use. Step 1: In the upper right corner of your user center, click the Settings icon. Step 2: On the settings page, select "Account and Security" as the first option. Step 3: We've arrived at the "Account and Security" section. Many aspects of your account can be configured here. I'll go over three of the most important ones: Email address, Alipay password, and Login password are all required. You can add your email address to your account so that you can log in with it in the future. Alipay password refers to the Alipay payment password, which is a six-digit number that is crucial. When you pay in Taobao, 1688, and even when you modify some of your Alipay information, you must use it. So, to avoid forgetting this password, I recommend that you write it down on paper. Your Alipay login password, which can be a combination of numbers and letters, is known as your login password. 5. Final Thoughts If you followed the procedures above exactly, you should now have a fully functional Alipay account! Then you can pay for your goods by shopping on Taobao or topping up your tour pass account. Please leave www websteronline com comment if you have any problems or concerns concerning the Alipay signup procedure; I'd love to hear from you!

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Pros Explained

  • Open a checking or savings account with $100 or less: Aside from the premium accounts, customers can open a checking or savings account with a required minimum deposit of $100 or less. This low minimum opening deposit makes it easier for customers to transition from their existing bank.
  • Savings account with no minimum deposit or monthly fees: In today’s low-interest-rate environment, it is important to be able to have a savings account without monthly fees offsetting the interest that you earn. The online-only eSavings account has no minimum balance requirements, and there is no minimum opening deposit.
  • Flexible options with CDs: Customers have several options when opening a certificate of deposit (CD). They can open a standard CD, use promotional pricing, take advantage of rate changes, or lock in guaranteed annual rate increases.

Cons Explained

  • Uncompetitive interest rates on deposit accounts: Although BB&T Bank offers tiered pricing on some of its deposit products, the interest rates that it offers are not competitive with other banks.
  • Limited geographic footprint: The bank is growing its presence through acquisition, but it does not have any branches west of Texas.

Who Is BB&T Bank Best For?

BB&T Bank should appeal to consumers living within the 17 states (and Washington, D.C.) where it has branches. It may be a good fit if you:

  • Live in one of those states
  • Want a full-service bank that offers loans, deposits, and investments
  • Are looking to open a bbt spectrum credit card or savings account with $100 or less
  • Want a checking account with a low monthly fee
  • Desire a savings account with no monthly fee
  • Want flexible options with your CDs

What Does BB&T Bank Offer?

As a large full-service regional bank, BB&T offers an extensive menu of accounts and services to its customers. For most deposit accounts customers can choose from several options that fit their needs and budget.

Checking Accounts

BB&T Bank customers have several options for their checking needs. These include two standard checking accounts, a student account, a senior account, and a premium account.

  • BB&T Fundamentals: This checking account is designed for people who are concerned about meeting balance or direct-deposit requirements. It requires a $50 minimum opening deposit and offers a flat monthly fee of $5.
  • Bright Banking: This checking account allows customers to waive the $12 monthly fee by keeping a $1,500 average balance or having direct deposits of $500 or more. There is a $50 minimum opening deposit.
  • Student Checking: Students can open a checking account with no minimum opening deposit and no monthly fees. Additionally, this account waives up to two non-BB&T ATM fees each statement cycle. Students can also open an eSavings account and have the monthly maintenance fee waived.
  • Senior Checking: Anyone aged 55 years and older can open this account. It includes free checks and the ability to withdraw funds from a CD early for medical emergencies without incurring a penalty fee. It requires $100 to open, and the $10 monthly fee can be waived by maintaining a $1,000 balance or having $500 in combined direct deposits.
  • Elite Gold: This premium checking account provides no-fee money orders, bonus rates on CDs, two overdraft fee waivers per month, and up to four non-BB&T ATM waivers per month. The opening deposit must be at least $100, and there are two ways to waive the $30 monthly fee: by keeping $25,000 in combined deposits and investments or having a BB&T mortgage with an original balance of $150,000 or more.
  • BB&[email protected]: Employees at participating companies have access to this account, which provides additional perks such as unlimited no-fee money orders and bonus rates on CDs. There is a $100 minimum opening deposit required. The $15 monthly fee can be waived by having $750 in direct deposits per month, keeping a $1,000 average balance, maintaining $15,000 in combined deposits and investments, or having a BB&T mortgage with an original balance of $150,000 or more.
  • Vantage Checking: BB&T Wealth clients receive additional perks with this checking account. It provides premium tiered interest rates and waives fees for overdrafts, secondary accounts, wires, and more. There is a $100 minimum opening deposit required and $50 annual fee, which can be waived by keeping $25,000 in combined balances in the checking and Vantage Investor’s Deposit Account (a money market savings account) or having $100,000 in combined deposit, lending, and investment balances.

Customers using the bank’s ATM card can use any of its 2,400 ATMs without a fee. If you use another bank’s ATM, BB&T Bank will charge you $3 per transaction.

Fundamentals Checking$50$5None
Bright Checking$50$12None
Student Checking$0$0None
Senior Checking$100$10None
Elite Gold$100$300.01%
Vantage Checking$100$50 per year0.01% for deposits under $100,000
0.03% for deposits from $100,000 to $99,999,999,999

Money Market Accounts

There are three money market accounts available from BB&T.

  • High-Performance Money Market Account: This account can be opened with $100 and offers a tiered rate of interest to reward larger balances. It carries a $12 monthly fee, which can be avoided by maintaining a $1,000 minimum daily balance.
  • Investor’s Deposit Account: This account also provides a tiered rate of interest, but it requires a $10,000 minimum deposit to open one. There is a $15 monthly service fee that is waived when you maintain a $10,000 minimum balance.
  • Vantage Investor’s Deposit Account: BB&T Wealth clients have access to this account, which provides premium tiered interest rates. You must deposit $25,000 when opening one, and there is a $25 monthly fee if you don’t maintain a $25,000 minimum daily balance. This account can also be used as overdraft protection for the Vantage Checking account.
High Performance Money Market Account$100$120.01% $0 to $9,999

0.01% $10,000 to $99,999,999,999
Investor’s Deposit Account$10,000$150.01%
Vantage Investor’s Deposit Account$25,000$250.01% $0 to $49,999

0.01% $50,000 to $99,999,999,999

Savings Accounts

There are three savings accounts offered by BB&T.

  • eSavings: This is the primary savings account for BB&T. It has no monthly maintenance fees, no minimum opening deposit, and no monthly balance requirement. Its interest rate is compounded daily.
  • Health Savings Account (HSA): This account pairs with a high-deductible health insurance plan. It has no minimum balance requirement, no setup or transaction fees, and a monthly maintenance fee of $3 or less, depending on the state where you live. It offers tiered interest first national bank severna park Savers:This account is for children under the age of 18 and has no minimum opening deposit, no monthly fees, and no inactivity fees. Its interest rate is compounded daily.
eSavings Account$0$00.01%
Health Savings Account$0$30.01%
Young Savers$0$00.01%


There are four types of CDs to choose from at BB&T.

  • Personal CDs: These offer a guaranteed rate of return for up to five years.
  • Personal CD Specials: These are available for a limited time and the rates and terms vary.
  • Can’t Lose CDs: These protect customers whether rates rise or fall.
  • Stepped Rate CDs: These provide interest rates that are guaranteed to rise once a year, every year.

CDs renew automatically at maturity at the current rates. For terms less than 32 days, there is a one-day grace period to withdraw or change the term without penalty. All other CDs have a 10-calendar-day grace period.

The bank charges an early withdrawal penalty if you withdraw money before the CD matures. Penalties vary depending upon the length of the CD term.

Seven Days0.01%N/AN/A
30 Days0.01%N/AN/A
60 Days0.01%N/AN/A
90 Days0.01%N/AN/A
120 Days0.01%N/AN/A
150 Days0.01%N/AN/A
180 Days0.01%N/AN/A
270 Days0.01%N/AN/A
360 Days0.01%N/AN/A
18 Months0.01%N/AN/A
Two Years0.01%N/AN/A
30 Months0.01%N/A0.01%
Three Years0.01%N/AN/A
42 Months0.01%N/AN/A
Four Years0.01%N/AN/A
Five Years0.01%N/AN/A
Stepped Rate CD APY0.01%0.02%0.03%0.04%
Under Three MonthsAll interest that would have been earned or $25, whichever is greater
Three to 12 MonthsThree months simple interest or $25, whichever is greater
13 to 23 MonthsSix months simple interest or $25, whichever is greater
Two Years and More12 months simple interest or $25, whichever is greater

Credit Cards

BB&T Bank has four credit card choices for customers. Each is designed with a specific consumer in mind and has benefits ideal for that audience. There is a balance transfer card, one with cash back, and a travel rewards card.

Customers may check for prequalified offers without affecting their credit score. Such offers may be available in as little as 60 seconds.

Here are the credit cards offered:

  • BB&T Bright
  • BB&T Spectrum Cash Rewards
  • BB&T Spectrum Travel Rewards
  • BB&T Vantage Visa Signature Credit Card

Other Financial Products Offered by BB&T Bank

As a large regional bank, BB&T Bank offers a variety of accounts and services to meet the needs of its customers:

  • Auto loans
  • Boat and recreational vehicle loans
  • Personal loans
  • Personal Lines of Credit
  • Purchase mortgages
  • Refinance mortgages
  • Home Equity Loans and Lines of Credit (HELOCs)
  • Individual Retirement Accounts (IRAs)
  • College savings accounts
  • Self-directed trading
  • Managed investment portfolios
  • Financial advisors
  • Insurance
  • Business loans

BB&T Bank Customer Service

Customer service is available by phone at 1-800-226-5228, Monday through Friday from 8 a.m. to 8 p.m. EST. and Saturday from 8 a.m. to noon EST. It is closed on Sundays.

There are more than 2,900 branches across 17 states (and Washington, D.C.) for you to speak with a banker in person. Branches are located along the East Coast and as far west as Texas.

Your account is available 24 hours a day online and through BB&T’s mobile app, which is available for both Apple (4.8 stars, 346,400 ratings) and Android (4.7 stars, 56,699 ratings) mobile devices. The app allows you to view transaction history, personalize your accounts, pay bills, deposit checks, and more. It even has a budget feature that tracks your spending against your goals.

General questions can be answered through BB&T Bank’s Twitter account. However, for security reasons, do not include your account number, Social Security number, or any other personally identifiable information.

How to Bank With BB&T Bank

You can open an account online, over the phone, or at a branch, of which there are more than 2,900 available in Washington, D.C., and the following states:

  • Alabama
  • Arkansas
  • Florida
  • Georgia
  • Indiana
  • Kentucky
  • Maryland
  • Mississippi
  • New Jersey
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • West Virginia

BB&T Bank is a full-service regional bank well suited for customers who live near one of its branches. It has most of the account types that a customer would want, but its interest rates are not competitive with other banks. That being said, the bank does offer multiple checking account options to meet your needs and budget. It would do well as a primary bank for day-to-day needs.

Customers looking for high-yield savings accounts, money market accounts, and CDs should look elsewhere. BB&T Bank does offer tiered pricing for higher deposit levels, but the interest rates are much lower than the alternatives.


Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of banks. We collected over 20 data points across more than 80 banks—including products available, interest rates, fees, and accessibility—to ensure that our content helps users make the right decision for their savings and banking needs.

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .

  1. "U by BB&T." Accessed Bbt spectrum credit card 20, 2020.

  2. "U by BB&T." Accessed July 20, 2020.

  3. "@BBT." Accessed July 20, 2020.


Spectrum Credit Union Credit Card Login

Last Updated: 29-01-2020 Views: 55

Total Number of links listed: 8

Are you looking for Spectrum Credit Union Credit Card Login? Now get all the access to your account in one-click using the official links provided below:

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Union Plus Credit Card

Access your Union Plus Credit Card account online. Sign in below, or sign up now to access your account online. Complete the one-time enrollment process here. Sign In. Enjoy unlimited access to these helpful digital tools. Make payments. Pay your bills online or from your smartphone.

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BB&T Spectrum Cash Rewards Credit Card -

Use your card for everyday spending; Want to be rewarded for your purchases Disclosure 1 1 There is a monthly cap (first day of a month through the last day of a month) of $1,000 on spend at the bonus rate combination of 3% at gas stations and 2% at grocery store/supermarkets and utilities. Once the $1,000 monthly spend limit is reached, you will earn the base rewards of 1% for those purchases.

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Capital One Credit Cards, Bank, and Loans - Personal and .

Are you eligible for pre-qualified credit card offers? There's no impact to your credit score to find out now. Savor® Cash . Apply now. View Your Credit Score. Use CreditWise® from Capital One® to monitor your credit score and more. Learn about CreditWise. Learn, grow and focus on what matters Get Started. Learn, grow and focus on what .

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BB&T Spectrum Cash Rewards Credit Card Review .

Mar 26, 2019 · Unlike some balance transfer credit cards, the BB&T Spectrum Cash Rewards card doesn’t set restrictions on when and how much you can transfer. Decent regular interest rates. While the Spectrum Cash Rewards card doesn’t have the lowest interest rate you’ll find, it is still on the lower end for card with no annual fee.2.3/5

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Credit One Bank Official Site

Credit One Bank offers credit cards with cash back rewards, online credit score access, and fraud protection. See if you are Pre-Qualified and accept a credit card offer, or sign bbt spectrum credit card to manage an existing account. See why over 10 million consumers have a Credit One Bank credit card!

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Spectrum Credit Union - Oakland, CA

Spectrum Credit Union is a division of Chevron Federal Credit Union. The parent credit union has been open since 1973. The credit union has assets totaling $3.53 Billion and provides banking services to more than 113,000 members. Membership: The credit union is a bbt spectrum credit card financial cooperative .1/5(1)

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Credit Union Operations Software, Spectrum Fiserv

The Spectrum account processing system serves many of the nation’s leading credit unions with its broad suite of browser-based financial applications, electronic services and technology tools delivered through an open, robust platform. Spectrum is a comprehensive, modular, real-time system that automates virtually every aspect of a credit union.

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CareCredit Healthcare Synchrony

Do I need to activate my account; if so, how do I activate it? If you received your card with a how can i pay my discover bill on the front of it, you will need to call the number listed on the sticker to …

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BB&T Spectrum Rewards Card Review – Cash Back Card With 0% APR Balance Transfer

TheBB&T Spectrum Rewards Card is a cash back credit card with no annual fee and a straightforward rewards scheme that pays unlimited 1% cash back on all purchases, with no caps or restrictions.

There’s more to that cash back deal, though. Net qualifying purchases made within the first 3 months earn unlimited 3% cash back. Big spenders who can charge more than $50,000 per year earn a 30% bonus on cash back at the end of the year, and every cardholder qualifies for a 5% year-end cash back bonus, regardless of spending power.

Aside from the cash back program, BB&T Spectrum Rewards Credit Card has a 12-month 0% APR promotion on purchases and balance transfers, a relatively low regular APR, and some useful Visa-backed benefits.

This definitely is not the best cash back credit card around, but that’s not to say it’s not worth a closer look, especially for current BB&T deposit accountholders. There’s just one catch: You have to live in BB&T’s service area to qualify for this card. BB&T primarily serves the southeastern and mid-Atlantic United States, from Texas up through Maryland. If you bbt spectrum credit card elsewhere, keep looking.

Key Features

Sign-up Bonus

You earn unlimited 3% cash back on all spending within 3 months of account opening. For example, on $2,000 in spending within the bonus period, you’d earn $60 cash back. This is a useful perk for cardholders who can muster lots of spending shortly after opening their accounts – for instance, folks financing home improvement projects or purchasing new cars.

Earning Cash Back Rewards

Once the sign-up bonus period ends, this card’s cash back rate drops to unlimited 1% on all spending, regardless of category or amount. Cash back accumulates as dollars and cents, with every $1 in spending equivalent to $0.01 in cash back.

Redeeming Cash Back Rewards

You can redeem your accumulated cash back for virtually anything: paper checks, prepaid debit cards, gift cards, travel, merchandise, entertainment and experiences, and more. Checks are definitely the best option, as they value cash back at $0.01 per $1 spent. BB&T’s prepaid debit cards carry monthly maintenance fees ($2.50 per month) after 6 months, so they’re not ideal for long-term use, and the gift cards are brand-specific.

Other redemption options, such as travel and merchandise, ascribe wildly variable values to earned cash back – often far below the standard rate of $0.01 per $1 spent. Minimum redemption requirements can be steep on some items, too. For instance, you need at least $150 to redeem for an airline ticket, and $250 to score a prepaid card.

Annual Cash Back Bonus

Each year, you receive a 5% bonus on all cash back earned over the previous 12 months. For instance, $100 in cash back earns a $5 bonus, for total annual earnings of $105.

Cash Back Bonus for Big Spenders

When you spend $50,000 or more in a year, you get an additional cash back bonus of 30% on top of your 5% bonus. For instance, if you earn $500 in cash back, you get a $150 bonus (30%) in addition to the usual $25 bonus (5%), for a total cash back bonus of $175.

Important Fees

There is no annual fee. The foreign transaction fee is 3%. Balance transfers and cash advances both cost the greater of $10 or 3% of the transferred amount, while late payments cost up to $37.

Introductory APR

This card comes with a 0% APR on purchases and balance transfers for 12 months following your account opening date.

Regular APR

Once the introductory APR period ends, BB&T Spectrum Rewards Credit Card’s purchase and balance transfer APR rises to range between 13.65% and 22.65%, depending on your personal creditworthiness and prevailing interest rates. The cash advance APR is set at 23.65% from the first day your account is open, but can vary with prevailing interest rates at any time.

Optional Overdraft Protection for BB&T Deposit Accountholders

If you already have a BB&T deposit account, you can link it to your BB&T Spectrum Rewards Credit Card to protect against overdrafts. When you attempt a purchase that would normally result in an overdraft, your credit card is immediately charged an amount sufficient to offset the negative balance. There’s a $12.50 charge per occurrence. Overdraft protection transfers add to your credit card’s balance, so it’s in your best interest to pay them off as soon as you have the funds.

Visa Card Benefits

This card has a nice lineup of useful Visa-backed benefits. The most noteworthy include:

  • Extended warranties on certain items purchased in full with the card
  • Travel accident insurance, a bare-bones form of travel insurance
  • Emergency assistance services for stranded or distressed travelers

Credit Required

This card requires good to excellent credit. Any notable blemishes in your credit history are likely to reduce your chances of approval.


  1. No Annual Fee. BB&T Spectrum Rewards Credit Card does not charge an annual fee. That’s great news for frugal cardholders and those who don’t spend heavily enough to offset any sort of recurring levy with earned rewards. Some premium cash back cards do charge annual fees.
  2. Nice Introductory Purchase and Balance Transfer Promotion. This card has a 0% APR purchase and balance transfer promotion lasting 12 months from account opening. If you need to finance a large purchase upfront (which is an attractive proposition in light of the 3% cash back sign-up bonus) or transfer an existing high-interest balance from another card, you could do worse than BB&T Spectrum Rewards Credit Card.
  3. Relatively Low APR Range. This card’s regular purchase and balance transfer APRs range from 13.65% to 22.65%. If you have very good credit and can therefore secure a rate at the lower end of that range, your interest rate is likely to be a few points lower than with competing cash back cards such as BankAmericard Cash Rewards Credit Card and Chase Freedom Card. While it’s always ideal to pay your balances off in full each month, carrying balances from month to month is somewhat less costly with BB&T.
  4. Nice Fringe Benefits. BB&T partners with Visa to deliver some useful fringe benefits, including extended warranties on certain items and travel assistance services.
  5. Overdraft Protection for Deposit Accountholders. If you already have a BB&T bank account, you can take advantage of BB&T’s overdraft protection service, which charges your credit card to cover transactions that would otherwise result in negative balances. The fees associated with overdraft bbt spectrum credit card are roughly 66% lower than regular overdraft fees, so this is a huge source of savings for those whose accounts occasionally go negative.


  1. Mediocre Sign-up Bonus. BB&T Spectrum Rewards Credit Card’s unlimited 3% cash back sign-up bonus sounds like a good deal. However, compared with other popular cash back cards, it’s actually pretty paltry. BB&T Spectrum Rewards Credit Card’s sign-up bonus only makes sense if you can conjure up a lot of spending within that 3-month period – for instance, $10,000 in spending would earn you $300.
  2. Sub-par Baseline Earning Rate. This card’s 1% baseline earning rate is unlimited, which is nice. However, it falls short of many other cash back cards’ baseline rates. Citi Double Cash Card earns unlimited 2%, while Chase Freedom Unlimited and Capital One Quicksilver Cash Rewards both earn unlimited 1.5%.
  3. Cash Back Bonuses Don’t Go Far Enough. BB&T Spectrum Rewards Credit Card’s 5% and 30% annual spending bonuses sound nice, but they actually don’t go far enough to put this card on equal footing with more generous cash back competitors. For high spenders, the bonuses combine to produce a 1.35% rate of return on spending. That’s solid, but still not up to snuff with the growing cohort of 1.5% and 2% cash back cards.
  4. Charges a Foreign Transaction Fee. This card’s 3% foreign transaction fee is a major bummer for people who travel outside the U.S. frequently. It more than offsets the regular cash back earning rate, and even negates cash back during the sign-up bonus period.
  5. Only Available to Applicants in BB&T’s Service Area. You don’t have to be a current BB&T accountholder to apply for this card, but you do have to live in the company’s service area, which extends from Texas through Maryland and includes most of the southeastern United States. If you live elsewhere in the U.S., you’re out of luck for the time being.

Final Word

The BB&T Spectrum Rewards Card is just one of many cash back credit cards that earns unlimited 1% cash back on all purchases, with no tiers, fixed or rotating categories, spending caps, or other restrictions apart from the sign-up bonus period and annual spending bonuses. Such cash back schemes are easy to understand, so their appeal is understandable.

However, even for cardholders who prefer not to deal with rotating categories or complicated spending tiers, they’re not the cream of the cash back credit card crop. Flat-rate cash back cards rockland trust mortgage login as Chase Freedom Unlimited, Citi Double Cash Card, and Capital One Quicksilver Cash Rewards offer unlimited cash back earnings of 1.5% to 2%, far outstripping Spectrum’s baseline earnings and annual bonuses. If you qualify for one of those cards, why not apply? You’re almost certain to earn more over the long run.

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Purchase APR (variable)


Recommended credit score

Details wells fargo cashiers check without account

Annual fee$19
Welcome offer10% bonus for cash back deposited in bbt spectrum credit card BB&T account
Rewards3% cash back on gas, 2% on utilities and groceries, and 1% on all other purchases
Purchase APR19.24% variable
Balance transfer APR19.24% variable
Minimum Credit Score300
Cash advance rate22.24% variable
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $38
Security depositNot disclosed on provider site
Minimum Interest$0

Review by

Kliment Dukovski

[email protected]

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The BB&T Spectrum Cash Rewards Secured Credit Card is a solid option if you’re looking to build your credit. That’s because you get to earn 3% cash back on gas and 2% cash back on groceries and utilities, and you can get a 10% bonus if you deposit your cash back in your BB&T checking or savings account.

On the downside, your 3% and 2% cash back are capped at $1,000 in combined purchases each month, after that, your rate reverts to 1% cash back. Also, you can’t apply for the card online, and you’ll pay a $19 annual fee. The benefits of earning rewards and building credit can outweigh the drawback of the annual fee, however.

Overall, if you’re trying to build credit, the BB&T Spectrum Cash Rewards Secured Credit Card is worth considering.

Unfortunately, you can’t apply for this card online. Here’s how to apply for this card:

  1. Locate a bank branch or call 800-226-5228.
  2. Follow the instructions and provide all the required information.
  3. Submit your application.
  • Cash back. Earn 3% cash back on gas and 2% cash back on groceries and utilities on up to $1,000 in combined purchases each month. After that, and on all other purchases, earn 1% back.
  • Cashback boost. Get an additional 10% cash back when you redeem your rewards into your BB&T checking or savings account. This turns your 3% and 2% cash back into 3.3% and 2.2%.
  • Build credit. BB&T reports your card activity to all three credit bureaus — Experian, Equifax and TransUnion. With responsible credit card use, you’ll build your credit in no time.
  • No penalty APR. If you miss a payment, you won’t accrue a penalty APR, which on similar cards can be up to 32%.
  • Annual fee. Pay a $19 annual fee to own this card.
  • Foreign transaction fee. If you use this card abroad or online with a foreign merchant, you’ll accrue a fee — 3% the amount of your purchase.
  • Secured card. To use the card, you need to make a secured deposit first.

The BB&T Spectrum Cash Rewards Secured Credit Card is an excellent option for anyone looking to build or rebuild their credit. For a $19 annual fee, you get access to a solid rewards program, a decent APR and a chance to build your credit.

But if you think another card could suit your financial situation better, compare other secured credit cards or other BB&T secured cards until you find the right one.

  • If you can make an upfront secured deposit, a secured credit card may be the better choice. That’s because you get lower interest rates, lower fees and you get to pay a lower annual fee or no annual fee at all.

    And in this case with the BB&T Spectrum Cash Rewards Secured Credit Card, you get to earn rewards on your purchases.

  • Unfortunately, BB&T doesn’t disclose this information anywhere on their website. Similar secured credit cards usually start with a $200 secured deposit.

bbt spectrum credit card
bbt spectrum credit card


  1. How about in google sheet? i tried doing this it was a success but when i exported it in google sheet, the formulas got lost.

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