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BB&T Spectrum Cash Rewards Credit Card review

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.
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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

Annual fee$0
Welcome offerN/A
Rewards3% cash back on gas and 2% on groceries and utilities on up to $1,000 in combined purchases each month, then 1% back after that and on all other purchases
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)
Minimum Credit Score670
IssuerVisa
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Review by


Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.

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.

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.

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.

Compare cashback credit cards

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Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Quicksilver Cash Rewards Credit Card
$200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day and % cash back on hotels and rental cars booked through Capital One Travel (terms apply)
$0
More than an unlimited 1.5% cash back card: you'll also earn % cash back on hotels and rental cars booked through Capital One Travel (terms apply).
Capital One SavorOne Cash Rewards Credit Card
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
3% cash back on dining, entertainment, popular streaming services and at grocery stores, 1% on all other purchases. Plus, earn % cash back on Capital One Entertainment purchases and tickets at Vivid Seats, and % cash back on hotels and rental cars booked through Capital One Travel (terms apply)
$0
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats.
Venmo Credit Card
N/A
3% cash back on your eligible top spend category, 2% back on your second top spend category and 1% on the rest
$0
A cashback credit card that lets you auto-purchase the crypto of your choice from your Venmo account.
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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.

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