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About Our Ratings

BB&T Spectrum Rewards™ Card Review

BB&T Spectrum Rewards™ Card details

Balance Transfer Intro APR:
0% Fixed
Balance Transfer Intro Period:
12 months
Purchase Intro:
APR:
0% Fixed
Period:
12 months
Purchase APR:
8.15% - 19.15% Variable
Annual Fee:
None
see more details ∨

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 prime
 
 
Margin:
 4.90 - 15.90
 4.90 - 15.90
 18.90
APR:
  8.15% - 19.15% Variable
 8.15% - 19.15% Variable
 22.15% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 0% Fixed
 0% Fixed
 None
Intro Period:
 12 months
 12 months
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 3%
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
3% ($10 min. )  


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:
 APR for Purchases and Balance Transfers: 0% Introductory APR for the first 12 months. After that, your APR will be between 8.15% and 19.15%, determined upon review of your application, credit history, and banking relationship. This APR will vary with the market based upon the Prime Rate. Balance Transfer Fee: 3% of each advance (minimum $10). Cash Advance Fee: 3% of each advance (minimum $10). Card company will not charge interest on Purchases if you pay your entire balance by the due date. Penalty APR: 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:
 AL, DC, FL, GA, IN, KY, MD, NC, SC, TN, TX, VA, WV
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

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