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BB&T Spectrum Cash Rewards Credit Card review

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Earn accelerated cash back on gas, groceries and utilities.

  • Get this card if you want to earn cash back.
  • Pick something else if you want a higher rewards rate.
  • Apply with a good to an excellent credit score of 670 or higher for the best chance of approval.

Up to 3%

Cash back

$0

Annual fee

0%

Intro purchase APR

for the first 12 months (then 13.24% to 22.24% variable)

0%

Intro balance transfer

for the first 12 months (then 13.24% to 22.24% variable)

Details

Product NameBB&T Spectrum Cash Rewards Credit Card
Card typeVisa
Annual fee$0
Purchase APR0% intro for the first 12 months (then 13.24% to 22.24% variable)
Balance transfer APR0% intro for the first 12 months (then 13.24% to 22.24% variable)
Balance transfer fee$10 or 3% of the transaction, whichever is greater
Cash advance rate22.24% variable
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $38

Expert review

Kliment Dukovski

Review by


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.

Expert review

The BB&T Spectrum Cash Rewards Credit Card comes with a $0 annual fee and a cashback program that offers 3% back on gas and 2% back on groceries and utilities. However, these cashback rates are capped at $1,000 in combined purchases each month, after which you earn 1% back. You can boost your rewards rate by 10% if you redeem cash in your BB&T checking or savings account.

Card benefits

  • Cash back. Earn 3% cash back on gas and 2% cash back on groceries and utilities, and 1% back on all other purchases. You are capped at $1,000 in combined purchases each month in the 3% and 2% categories. After that, your rewards rate drops to 1% cash back.
  • Cashback boost. Get an additional 10% cash back when you redeem your cash into your BB&T checking or savings account. This makes your 3% and 2% cash back into 3.3% and 2.2%.
  • Intro APR period. Use 12 months of 0% intro APR period on balance transfers and purchases. After that, a variable APR of 13.24% to 22.24%.

What to watch out for

  • No signup bonus. Most cashback credit cards let you earn a signup bonus worth up to $250. Unfortunately, you won’t find such a bonus with this card.
  • Foreign transaction fee. Refrain from using this card abroad or online with foreign merchants or you’ll pay a 3% fee of the amount of each transaction.

How to apply for the BB&T Spectrum Cash Rewards Credit Card

  1. Go to the BB&T website and find the BB&T Spectrum Cash Rewards Credit Card.
  2. Click either Open an account or Apply now.
  3. Fill out the application form with all the required details.
  4. Review the form and submit.

What credit score do I need?

Increase your chances of approval with a good to an excellent credit score of 670 or higher.

Compare credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
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Compare up to 4 providers

Bottom line

The BB&T Spectrum Cash Rewards Credit Card is a solid option if you’re looking to earn accelerated cash back on gas, groceries and utilities and save money on interest with a 0% intro APR period.

But if you want to earn a signup bonus or earn a more generous rewards rate, compare other cashback credit cards until you find the right fit for your wallet.

Frequently asked questions

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