BB&T Spectrum Cash Rewards
Credit Card
Card Overview
The Spectrum Cash Rewards credit card from BB&T offers competitive features and rewards.
Key Features
- Credit card with fraud protection
- Online account management
- Mobile app access
- 2.0% cash back on purchases
- Rewards in categories: Dining, groceries
- Sign-up bonus: $150 cash back
Card Basics
Quick Facts
Annual Fee
No Annual Fee
Cash Back Rate
2%
Intro APR Offer
0% for 12 months
Sign-up Bonus
$150 cash back
Spend $1,000 in 90 days
Rates & Fees
| Rate Type | APR | Details |
|---|---|---|
| Purchase APR | 15.99% - 25.99% | Variable based on creditworthiness |
| Introductory APR | 0.00% | For 12 months |
| Cash Advance APR | 27.99% | Higher rate applies to cash advances |
| Penalty APR | Up to 30.99% | May apply if you miss payments |
About APR
APR (Annual Percentage Rate) reflects the yearly interest rate you'll be charged if you carry a balance on your card. Variable APRs may change with the market based on the Prime Rate. Rates, fees, and terms are subject to change.
Features & Benefits
Card Benefits
Enjoy credit card rewards, cash back, and exclusive perks with your card.
Rewards Program
Earn 2% cash back on eligible purchases.
Fraud Protection
Your card comes with built-in fraud monitoring and zero liability protection.
Digital Wallet
Add your card to Apple Pay, Google Pay, or Samsung Pay for contactless payments.
Card Requirements & Application
Eligibility Requirements
Basic Requirements
Must be at least 18 years of age and a U.S. resident with a valid Social Security Number.
Credit Score
Recommended credit score: Good
Income Requirements
Stable income and ability to make monthly payments. Income verification may be required.
Card Benefits
Cash Back Rewards
Earn 2% cash back on purchases. Higher rates in categories: Dining, groceries.
Introductory APR
0% intro APR for 12 months on purchases and/or balance transfers.
How to Apply
You can apply for the Spectrum Cash Rewards card through one of these convenient methods:
In Person
Visit any BB&T branch location.
Online
Apply through the BB&T website.
By Phone
Call the bank's customer service line.
Ready to open a Spectrum Cash Rewards?
Start enjoying the benefits of the BB&T Spectrum Cash Rewards today. The application process is quick and straightforward.
Or call BB&T customer service for assistance