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BB&T offers a small but solid selection of secured credit cards for building credit. Depending on your preference, you can get a card with accelerated cash back on gas and groceries, a card with accelerated miles on travel purchases or a card with low interest rates.
However, all three cards come with an annual fee.
Compare BB&T secured credit cards
Quick look at BB&T secured credit cards
|BB&T Spectrum Cash Rewards Secured Credit Card||BB&T Spectrum Travel Rewards Secured Credit Card||BB&T Bright Secured Credit Card|
The 3% and 2% are capped at $1,000 in combined purchases each month, reverting to 1% after that
|Bonus||Earn % bonus cash when you redeem your rewards to a BB&T checking or savings account||Earn 20,000 bonus miles, worth $200, once you spend $2,000 in your first 90 days||Earn interest on your secured deposit|
|Intro APR period||N/A||N/A||N/A|
|Foreign transaction fees||3%||None||3%|
Which BB&T secured credit card should I pick?
BB&T Spectrum Cash Rewards Secured Credit Card
Who should get this card?
This may be a solid credit card option if you’re looking for a secured credit card to build your credit and earn some cash back in the process.
- Cash back. Earn 3% cash back on gas purchases and 2% cash back on groceries and utilities for your first $1,000 in combined purchases each month. After that, and on all other purchases, earn 1% cash back.
- Bonus cash. Earn % bonus cash every time you redeem your rewards into a BB&T checking or savings account.
BB&T Spectrum Travel Rewards Secured Credit Card
Who should get this card?
Individuals who travel often and want to build their credit could find this card useful. Earn accelerated miles on travel purchases, a generous signup bonus and a TSA PreCheck or Global Entry fee credit.
- Miles. Earn 2x miles on airfare, hotel stays and car rentals and 1x miles on all other purchases. Miles are worth 75% more when redeemed for hotel stays.
- Signup bonus. Earn 20,000 bonus miles after you spend $2,000 in your first 90 days when you open your account. This is worth $200 in redemption value.
- TSA PreCheck or Global Entry fee credit. Get $85 credit to cover the TSA PreCheck or Global Entry fee once every four years.
BB&T Bright Secured Credit Card
Who should get this card?
If you want to build credit while paying low interest rates compared to similar cards, then this may be a card worth considering. Aside from saving money on interest, you get to earn interest on your secured deposit.
- Earn interest. Your secured deposit earns you interest.
Typical features of a BB&T secured credit card
Aside from getting card-specific perks, you get the following benefits with all three BB&T secured credit cards:
- Build credit.
BB&T reports to all three credit bureaus — TransUnion, Experian and Equifax. With responsible card use, you can build your credit.
- Access your credit score.
Monitor your credit-building progress with access to your VantageScore by Equifax.
- No penalty APR.
You won’t incur any penalty APR in case you fail to make the minimum payment before it’s due.
BB&T offers some of the best secured credit cards for building credit. You can choose to earn cash back on categories such as gas and groceries, or you can opt-in for a travel rewards credit card.
But if you think there could be a better credit card for you, make sure you compare other credit card options.
Frequently asked questions
No, you can only monitor your VantageScore.
No, all three BB&T secured cards are Visa cards.
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
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