Is BB&T Bright™ Card worth it? | finder.com

Review: BB&T Bright® Credit Card – July 2018

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Get 0% APR for 15 months on purchases and balance transfers.

Product NameBB&T Bright® Credit Card
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases12.99% and 21.99% variable
Introductory Purchase APR0% for the first 15 months (then 12.99% and 21.99% variable)
Introductory Balance Transfer APR 0% for the first 15 months (then 12.99% to 21.99% variable)
Balance Transfer Fee3% or $10 (whichever is greater)
Cash Advance Rate23.99% variable
Cash Advance Fee$10 or 3% of the cash advance amount, whichever is greater
Foreign Transaction Fee3% of the transaction amount
Interest Free PeriodUp to 25 days
Minimum Interest$0
Late Payment Fee$38
Additional Cardholder Fee$0
Minimum Age18 years of age

The basics

The BB&T Bright® Credit Card doesn’t come with many bells and whistles. Instead, it offers solid introductory benefits like $0 annual fee and 15 months introductory APR.

If it’s a signup bonus you’re after, look elsewhere — the BB&T Bright® Credit Card doesn’t offer one.

You can earn cash back from the card, but only if you use it with select retailers. Consider products like the Bank of America® Cash Rewards credit card for cash back with no annual fee.

The perks

  • INTRO APR: 0% for 15 months on purchases and balance transfers.
    The BB&T Bright® Credit Card comes with a strong 15 months APR period. Not only is it a decent balance transfer card, but it’s also a fine choice if you need to make a big purchase now and pay for it over time.
  • ANNUAL FEE: None.
    A $0 annual fee means you can transfer balances to the BB&T Bright® Credit Card and then easily keep it for the long term.
  • APR: As low as 12.99% variable.
    With great credit, you could qualify for a relatively low 12.99% variable. APR. That’s below the average credit card APR of around 16%.
    On the downside, the APR range extends all the way to 21.99% variable. So if your credit score is low, you could see an APR at the top of that range.

You’ll also like …

BB&T Deals.
Through BB&T Deals, you can earn cash back by using your card at participating retailers that include:

  • AT&T
  • Chili’s
  • DirectTV
  • Jamba Juice
  • PetSmart
  • Sears
  • Sephora
  • Starbucks

Other benefits

  • Travel emergency assistance and accident insurance from Visa. Learn more about Visa benefits.
  • No penalty APR.
  • No over-the-credit-limit fee.
  • No returned payment fee.

How does a balance transfer work with this card?

What to watch out for

  • No signup bonus.
    Some cards come with a bonus when you become a customer, such as extra points or cash back. The BB&T Bright® Credit Card doesn’t offer this.
    Learn more about rewards credit cards
  • Limited cash back.
    This card doesn’t offer cash back for all purchases. You’ll receive cash back only if you shop with select retailers.
  • Potentially high APR.
    The card’s APR starts at 12.99% variable, but it can soar as high as 21.99% variable. With poor credit a low credit score, you’re more likely to get a higher APR.

Looking for a cash back card? Consider these brands

Name Product APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
12.99% and 21.99% variable
0% for the first 15 months (then 12.99% to 21.99% variable)
$0
0% introductory annual percentage rate (APR) for 15 months on purchases and balance transfers.
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
$0
Earn more cash back for the things you buy most.
16.74%, 22.49% or 25.49% variable
$0
Get 4% points back on dining, 3% on travel, 2% on Uber rides and online shopping and 1% on other purchases, and redeem points for Uber credits, gift cards or cash back.

Compare up to 4 providers

What to know before you apply

To apply for the BB&T Bright® Credit Card, you must be at least 18 years old.

Information you’ll need

  • Your full name and contact information.
  • Your residential status.
  • Your annual income, source of income and employment information.
  • Your Social Security number and mother’s maiden name.

What credit score do I need?

You’ll have a better chance of approval for the BB&T Bright® Credit Card if you apply with a good to excellent credit score of 680 or higher.

What others say about the BB&T Bright® Credit Card

The Branch Banking and Trust Company earns an A+ rating from the Better Business Bureau. It’s been accredited since 1974.

Customers generally say the BB&T Bright® Credit Card is far from exciting but gets the job done. Some are especially pleased with their low APR. Additionally, many of them say BB&T’s customer service is excellent and quick to respond to fraudulent charges.

How to apply for the BB&T Bright® Credit Card

1. Go to the BB&T website and click Open an account.

2. Let BB&T know whether you’re a current customer. If you are, you’ll enter your Social Security number and your Online Banking user ID and password.

If you aren’t a BB&T customer, click Continue.

3. Complete the application with details like your name, address, annual income and Social Security number.
Continue with the application by accepting the terms and conditions, making a balance transfer and reviewing the information you’ve submitted.

How long will it take to be approved?

Typically, you’ll need to wait a few days to a few weeks to receive a response.

I got the card. Now what?

  • Make timely payments. Pay your card bill online at the BB&T website, where you can also enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period of 25 days to pay your balance — and avoid interest on your purchases.
  • Avoid fees. Late payments come with hefty fees of up to $38. Balance transfers and cash advances also come with fees.
  • Customer service. If you have questions, contact BB&T support at 800-226-5228 or send a secure message from your account.

Bottom line

The BB&T Bright® Credit Card doesn’t offer many perks. However, you can get it with $0 annual fee.

The card’s strongest benefit is its 0% intro APR for 15 months. That makes it a good balance transfer card, and a solid choice if you need to make a big purchase now and pay it off over time.

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