BB&T Spectrum Cash Rewards credit card

  • Earn rewards for the things you buy every day with a BB&T Spectrum Cash Rewards credit card
  • Get 3% cash back on gas, 2% cash back on groceries and utilities, and 1% cash back on all other purchases* 
  • Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account
  • Enjoy flexible rewards you can use for cash back, statement credit, gift cards and more
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit Personal $0* N/A* N/A* 15.49%* - 24.49%* Cash Back


Quick Summary:
This is a Visa cash back rewards card 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 15.49%* and may be as high as 24.49%* (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 card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 743 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.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 743, 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.

Community Opinion:
There are no reviews. If you have experience, you can write one now.
It's fast and easy to compare card offers by the criteria you require. That way you get the best card for your needs. Find more credit cards.

You may also be interested in these offers: