Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Compare BB&T secured credit cards

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

Avatar
Kliment Dukovski
Updated
Fact checked

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
Read review
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
Read review
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
Read review
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.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site