Personal Credit Cards

Bank with confidence knowing our credit cards are provided by BB&T with industry-leading fraud detection services and the broad benefits of Visa®.

BB&T Bright®

Save money by paying less in interest with the BB&T Bright credit card.

  • BB&T’s Lowest Annual Percentage Rate (APR)
  • 0% Introductory (APR) for 15 months on purchases and balance transfers
  • Afterwards, variable APRs ranging from 8.40% to 17.40%
  • No annual fee1

BB&T Spectrum Rewards®

Earn cash fast with BB&T Spectrum Rewards where dollars spent become dollars earned.

  • Earn 3% cash on all net qualified purchases2 for the first 90 days
  • Earn 1% cash on all net qualified purchases2 thereafter
  • Earn 5% anniversary bonus on cash earned every year
  • No annual fee1

Apply Online or visit your nearest financial center.

Learn more at

1 Other fees may apply. Visit or call 800-476-4228 for fees that may apply.

2 A net qualified purchase means any signature-based purchase, Internet purchase, phone or mail-order purchase or automatic bill payment made with a BB&T Spectrum Rewards credit card, excluding cash advances, traveler's checks, access checks, balance transfers, credits and returns.

Credit cards are subject to credit approval.

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