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Get 0% APR for 15 months on purchases and balance transfers.
| Product Name | BB&T Bright Card |
|---|---|
| Intro APR for Balance Transfer | 0% Intro APR for 15 months (with amount of each transfer, whichever is greater: $10 or 3% balance transfer fee) |
| Balance Transfer Rate (not intro) | 12.65% and 21.65% variable |
| APR for Purchases ( Purchase Rate ) | 12.65% and 21.65% variable |
| Annual fee | $0 |
| Cash Advance Rate | 23.65% variable |
| Card Type | Visa |
| Interest Free Period The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement. | Up to 25 days |
| Returned Payment Fee | $0 |
| Foreign Currency Conversion Fee (VISA) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Minimum Interest | $0 |
| Minimum Credit Score | Fair (660-699) |
|---|---|
| Minimum Age | 18 years of age |
| Annual fee | $0 |
|---|---|
| Returned Payment Fee | $0 |
| Over The Credit Line Fee | $0 |
| Late Payment Fee | $38 |
| Cash Advance Fee | 3% or $10 minimum on transactions greater than $10 |
The basics
The BB&T Bright™ 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™ 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 BankAmericard Cash Rewards for cash back with no annual fee.
The perks
- INTRO APR: 0% for 15 months on purchases and balance transfers.
The BB&T Bright™ Card comes with a strong 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.
Compare the BB&T Bright™ Card to these 0% APR cards
- ANNUAL FEE: None.
A $0 annual fee means you can transfer balances to the BB&T card and then easily keep it for the long term.
- APR: As low as 12.65.
With great credit, you could qualify for a relatively low 12.65 APR. That’s below the average credit card APR of around 16%.
On the downside, the APR range extends all the way to 21.65. So if your credit score is low, you could see an APR at the top of that range.
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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 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 12.65, but it can soar as high as 21.65. With poor credit admn a low credit score, you’re more likely to get a higher APR.
Looking for a cash back card? Consider these brands
What to know before you apply
To apply for the BB&T Bright™ Card, you must be at least 18 years old.
Always consider your options and your financial situation before you apply for a credit card.
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™ Card if you apply with a good to excellent credit score of 680 or higher.
What others say about the BB&T Bright™ 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™ 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™ 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™ 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.