Picture of the BB&T Spectrum Rewards Credit Card front

BB&T Spectrum Rewards Credit Card Reviews & Info

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Contact Information

  • Telephone: 800-476-4228
  • E-Mail: Available after logging in.
  • Mailing Address: Find BB&T’s closest location by introducing your Zip code on this page: https://www.bbt.com/contact-us/default.page

The BB&T Spectrum Rewards Credit Card is issued by BB&T Bank and offers his holders great cash rewards (3% on eligible purchases in the first 90 days after opening an account and 1% thereafter) and generous signup bonuses including no interest in the first year after the account opening.

Card Information

Rewards

3% cash back for all qualified purchases within the first 90 days after opening an account and 1% cash back afterwards.
5% cash back anniversary bonus.
30% cash back bonus when spending $50,000 or more annually.

Signup Bonus

3% cash back for all qualified purchases within the first 90 days after opening an account.
0% Introductory APR for 12 months on purchases and balance transfers.

Annual Fee

None

Cash Advance APR

22.40% variable according to the Prime Rate.

Late Payment Fee

Up to $37

Purchases APR

Variable from 10.40% to 19.40%

Pros and Cons

Pros

+ Cash back rewards
+ No annual fee
+ Signup bonuses

Cons

- High interest after the first year
- High late payment fees
- Cash back only for certain purchases

4 Reviews

BB&T Spectrum Rewards Credit Card Overall rating: ★★★★☆ 3.5 based on 4 reviews
5 1

Not my favourite

★★☆☆☆
2 5 1
I had many cards during my life and although this one is not bad, it’s also not my favorite. It is great at the beginning, but after the initial signup bonuses, what it offers is not so much…

the best card

★★★★★
5 5 1
I’ve never had such a great card, in terms of both general benefits and initial bonuses. I highly recommend it to everybody.

could be better

★★★☆☆
3 5 1
Not a bad card, but neither a great one…It indeed offers good rewards and bonuses but I’ve seen much better offers on the market

Good job, BB&T

★★★★☆
4 5 1
I am very satisfied with my new card, I only wish the no interest policy would be extended for a longer period…
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