How to Apply to BB&T Spectrum Rewards Credit Card

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With its awesome cash back rewards system, great signup bonuses and user-friendly online platform, the BB&T Spectrum Rewards Credit Card can be a perfect choice for you! If you decide to acquire it, check this page for details regarding how to fill in and submit an online application form.

If you would like to apply for a BB&T Spectrum Rewards Credit Card, make sure you meet the following conditions of eligibility:

Be a US citizen with a valid social security number and a valid ID
Have a valid mailing and email address and a valid phone number
Be at least 18 years of age
Be open to provide information regarding your employment and financial status (including your annual income)

If you decided to apply for a BB&T Spectrum Rewards Credit Card, here are the steps you should follow for filling in and submitting an online application:

Step 1: On the credit card’s homepage click on ‘Apply Now.’

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Step 2: Select whether you are or not a current BB&T client and press ‘Continue’ (NB: In this guide, we’ll show you how to proceed in case you are a new user.

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Step 3: Provide your first name, middle name (optional), last name, suffix (optional), address, city, state, Zip, time spent at the current address and housing type (rent, own or other).

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Step 4: Provide your contact information, including phone, alternate phone (optional) and email address.

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Step 5: Introduce your date of birth, social security number, mother’s maiden name, whether you are or not a BB&T client and a US citizen, your identification type, identification number, identification issue date, and identification expiration date.

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Step 6: Select your employment status and introduce your pre-tax annual income. Then press ‘Continue.’

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Step 7: On the following pages you will be asked to read and approve to the Terms and Conditions associated to this credit card, to choose whether you would like to transfer your balances from other bank accounts and, finally, to submit your application for review.

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Q: What does BB&T stand for?

BB&T is the acronym for Branch Banking and Trust Company.

Q: What is BB&T Bank?

BB&T Corporation is a financial service company based in North Carolina which operates in 15 states within 2,100 branches. The company offers its clients commercial banking, securities brokerage, mortgage and insurance products and services and it is one of the largest banks in the USA. From its opening in 1872 BB&T continues to offer banking, lending, insurance and wealth management solutions to its customers.

Q: How safe is BB&T Bank?

According to Bankrate, Branch Banking and Trust Company, located in Winston Salem, is an FDIC-insured bank which achieved a very good condition and has 4 out of 5 stars for safety. The U.S. bank customers have $163.09 billion on deposit, and the bank has 35,503 full-time employees.

Q: I cannot find the option to regain my forgotten User ID online.

Unfortunately, there is no option for regaining User ID online. You will need to either call the phone number of the issuer, or visit the nearest branch in order to retrieve it.

Q: Is there a limited audience due to the BB&T service area?

Yes, the card’s audience is relatively limited because only cardholders form Texas, Indiana, Ohio, Kentucky, West Virginia, Maryland, Virginia, Tennessee, North Carolina, South Carolina, Georgia, Alabama and Florida can apply.