dcsimg

Our credit cards articles, reviews and ratings maintain strict editorial integrity and are independent of whether a card is an advertiser (they are neither commissioned by nor reviewed, approved or endorsed by issuers); however we may receive compensation through the issuers' affiliate programs when you click on links to products from our partners and get approved. See details on how we make money here.

About Our Ratings
Credit Needed
Excellent

BB&T Spectrum Rewards™ Card Review

Top Features

Cashback on Gas
1%
Cashback on groceries
1%
Cashback on other
1% - 3%
Annual Fee
None

This card compared to other cash back cards

Cashback on Gas
1%
2% at U.S. gas stations
1-5%
Cashback on Groceries
1%
3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
1-5%
Cashback on other
1% - 3%
Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. 1% other purchases. Terms and limitations apply.
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Purchase Intro
APR:
0.00% Introductory APR for twelve months
Period:
12 months
APR:
0% on Purchases
Period:
for the first 12 months
APR:
0%
Period:
14 months
Purchase APR
10.65% - 19.65% (Variable) 
13.74%-23.74% Variable 
11.74% - 23.74% Variable 
Rates and Fees
CardRatings.com Editorial Staff

BB&T Spectrum Rewards™ Card details

Balance Transfer Intro APR:
0.00% Introductory APR for twelve months
Balance Transfer Intro Period:
12 months
Purchase Intro:
APR:
0.00% Introductory APR for twelve months
Period:
12 months
Purchase APR:
10.65% - 19.65% (Variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 6.90% - 15.90%
 6.90% - 15.90%
 18.90%
APR:
  10.65% - 19.65% (Variable)
 10.65% - 19.65% (Variable)
 22.65% (Variable)
APR Floor:
 None
 N/A
 N/A
Intro Rate:
 0.00% Introductory APR for twelve months
 0.00% Introductory APR for twelve months
 N/A
Intro Period:
 12 months
 12 months
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 3% of the U.S. dollar amount of each transaction made in a foreign currency and any transaction made in U.S. dollars that is processed outside of the U.S.
Late Fee:
 Up to $37
Over-the-limit Fee:
 None
Balance Transfer Fee:
3% of each advance ($10 minimum)  


Notes:

Rebate Description:
 Earn 3% on all net qualified purchases for the first 90 days. Earn 1% on all net qualified purchases thereafter. Earn a 5% anniversary bonus on cash earned every year. Earn an additional 30% bonus on cash earned when spending $50,000 or more annually. Redeem for cash back, gift cards, merchandise, travel and more.
Special Notes:
 Returned Payment Fee: None
Credit Card More Information:

Card Issued By:
 BB&T
General Correspondence Address:
PO Box 698
Wilson, NC 27894
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

Credit Card Consumer Reviews:

  1. No reviews available for this card.   Be the first to review!

Write Consumer Reviews:





E-Mail will not be published









Start Here

Search. Compare. Apply.

Apply online for Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Limited Time Offer: Apply by 5/3/17 - Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.74% to 23.74%, based on your creditworthiness and other factors.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Excellent, Good
Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO(R) Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent, Good