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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%
Annual Fee
None

This card compared to other cash back cards

Card Name
BB&T Spectrum Rewards™ Card
Cashback on Gas
1%
Unlimited 1.5% cash back
1%
Cashback on Groceries
1%
Unlimited 1.5% cash back
1%
Cashback on other
1%
Unlimited 1.5% cash back
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
0.00% Introductory APR for twelve months
Period:
12 months
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
for 12 months
Purchase APR
10.40% - 19.40% (Variable)
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
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:
10.40% - 19.40%
Annual Fee:
None
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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:
  10.40% - 19.40%
(Variable)
 10.40% - 19.40%
 22.40%
APR Floor:
 None
 None
 None
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
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Chase Freedom Unlimited ℠

Chase Freedom Unlimited ℠

  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
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). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO(R) Credit Scores for free on statements 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