BB&T Bright credit card

  • Save money by paying less interest with the low annual percentage rate BB&T Bright credit card
  • 0% introductory APR for 15 months on purchases and balance transfers
  • No annual fee*
  • Enjoy Visa's® Zero Liability unauthorized purchase protection*
  • Earn money easily with BB&T Deals. Log in to U by BB&T®, pick a deal, shop with your credit card and earn cash back
  • Take advantage of travel and emergency assistance services and auto rental collision damage waiver*
  • Visit Visa (opens in a new tab) to learn about additional card benefits
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit Personal $0 N/A* N/A* 13.24%* - 22.24%* None


Quick Summary:
This Visa offer is issued by BB&T Bank. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 13.24%* and may be as high as 22.24%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 726 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any BB&T Bank product.

Other Basics:
This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment (subject to available credit).

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

The approval rate for this card is moderately high. Furthermore, if your FICO score is close to or higher than 726, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

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