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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

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)
Recommended minimum credit score670
IssuerVisa
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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.

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

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
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 (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Earn up to 6% cashback as statement credit on everyday purchases and a big welcome offer for a cashback card. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months
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 (redeem as statement credit)
$0
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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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.

Frequently asked questions

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