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Compare BB&T secured credit cards

Earn rewards on your purchases while building credit, for an annual fee.

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Kliment Dukovski
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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. Here are the secured cards BB&T offers:

Quick look at BB&T secured credit cards

BB&T Spectrum Cash Rewards Secured Credit CardBB&T Spectrum Travel Rewards Secured Credit CardBB&T Bright Secured Credit Card
Rewards
  • 3% cash back on gas
  • 2% cash back on utilities and groceries
  • 1% cash back on everything else

The 3% and 2% are capped at $1,000 in combined purchases each month, reverting to 1% after that

  • 2x miles on airfare, hotel stays and car rentals
  • 1x miles on everything else
N/A
BonusEarn % bonus cash when you redeem your rewards to a BB&T checking or savings accountEarn 20,000 bonus miles, worth $200, once you spend $2,000 in your first 90 daysEarn interest on your secured deposit
Intro APR periodN/AN/AN/A
Foreign transaction fees3%None3%
Annual fee$19$89$19

Which BB&T secured credit card should I pick?

BB&T Spectrum Cash Rewards Secured Credit Card

BB&T Spectrum Cash Rewards Secured Credit Card
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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.

Top benefits
  • 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

BB&T Spectrum Travel Rewards Secured Credit Card
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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.

Top benefits
  • 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

BB&T Bright Secured Credit Card
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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.

Top benefits
  • 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.

Bottom line

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

Can I monitor my FICO score with this cards?
No, you can only monitor your VantageScore.

Are BB&T secured cards Mastercard?
No, all three BB&T secured cards are Visa cards.

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