BBT Bank Credit Card – ideal if you want a balance and save money

Are you looking for a Credit Card that can help you cut costs? BBT Bank Credit Card presents the best option. This Card has one major advantage over other cards – it has no penalty APR. Now, that’s one less fee to worry about. The BBT Bank Credit Card maintains your low-interest rate even if you miss a payment and spares you many common fees.BBT Bank Credit Card is ideal if you want a balance and need to save money on interest; if you want to transfer a balance from a high-interest card and/or purchase an expensive item with the ability to pay overtime; if saving money on interest is more important to you than cash back and rewards.

BBT Bank Credit Card Fees & Offers

Regular APR
8.65-17.65%

Introductory Purchase APR
0%

Introductory Balance Transfer APR

Fees

No annual fee
3% or $10 balance transfer fee (whichever is smaller)
3% foreign transaction fee
65% cash advance APR
3% or $10 cash advance fee (whichever is smaller)

Penalties

$25-$37 late payment fee
No penalty APR
No returned payment fee

Other benefits

Travel accident insurance
Overdraft protection
Purchase protection

Introductory 0% APR

The BBT Bank Credit Card has an introductory zero percent interest rate for both balance transfers and purchases for a respectable 15 months. This enables you to consolidate debts from your other high-interest cards and still buy a couple of high-ticket items that you’d like to pay for overtime.

No penalty APR

This card has no penalty APR, this makes it a sought-after card for cost-conscious consumers.

No charge of common fees

The BB&T Bright card spares you many common fees, including over-the-credit-limit and returned-payment fees. Even if you have only a small amount due and miss your due date, your late fee won’t be higher than the minimum amount due.

Purchase protection

The BBT Bright Card is not a Visa Signature card, but it does come with the Visa Signature purchase-protection benefit. According to Visa, eligible purchases will be replaced, repaired, or reimbursed within the first 90 days from the date of purchase.

No rewards

The BB&T Bright card doesn’t offer a rewards or cashback program of any kind.

How to use the BBT Bank Credit Cards

Transfer your balances from other high-interest cards, but pay off as much as you can, despite the BBT Bank Credit Card low APR
BBT Bank Credit Card has a 3 percent foreign transaction fee, thus you should avoid using it overseas.
Use this card when you purchase an expensive item.

How to Apply for the BBT Bank Credit Card

Firstly, go to the card features page and tap on “Open An Account”
Secondly, choose if you’re an existing customer of BB&T on the next page to continue
Thirdly, fill your full legal name including suffix if any
Fourthly, provide your detailed residence address. Then, specify the length of staying at this address and the housing type.
Also, fill in your contact information, like primary and alternate phone numbers along with the email address. Specify if any of the phone numbers is a mobile phone.
Furthermore, provide your verification information like birthdate, SSN, mother’s maiden name, existing relation with BB&T, select if you are a US citizen, select identification type from the drop-down menu, and provide the identification number, date of issue, and the expiry date.
Next, choose employment status and specify pre-tax annual income
Lastly, tap on the continue button. Then accept the terms and conditions, select if you need a balance transfer and provide relevant information, and submit your online application for approval on the subsequent pages.

Customer Service

Dial 1-800-226-5228 to speak with a customer service agent.

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