2017 RANKING & REVIEWS
TOP RATED BEST BB&T CREDIT CARDS
Introduction: The Best BB&T Credit Cards for You
Owning a BB&T bank card or BB&T rewards card is one of the best ways to manage your money and personal budget.
The top BB&T credit cards also come with a number of perks that will reward you for your use of the card.
There are a number of quality BB&T cards available to both individuals and small to medium-sized businesses, and the best BB&T bank credit card depends largely on how you plan to use the card and what you plan to get from the card.
Award Emblem: Top 5 Best BB&T Credit Cards
In this brief article, AdvisoryHQ will thoroughly review five of the best BB&T cards on the market. We will begin by looking at what separates a BB&T bank card from credit cards issued by other companies. We then offer a comparative table of the top features of these cards, including the BB&T credit card connection.
In our FAQ section ahead, we will look at what to consider when reading a BB&T credit card review and the top features that you should search for in a BB&T Bright Card and other BB&T rewards cards. Finally, we will take an in-depth look at five of the best BB&T cards available today.
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What Makes a BB&T Credit Card or a BB&T Business Credit Card Different from Other Options?
BB&T is one of the largest banks in the United States with over $222.6 billion in assets and a market capitalization of $30.6 billion. Another plus regarding BB&T credit cards is that this bank has over 2,000 financial centers in 15 states.
While BB&T has less of a presence nationally than other banks, they are extremely concentrated in certain parts of the country, as well as having a strong online presence.
Image source: Scanton Chamber
Furthermore, BB&T credit card rewards programs are also unique among credit card issuing companies in that many of the top BB&T cards come with an introductory rewards programs.
Also, BB&T credit cards offer quality options for businesses as well as for individuals. If you are a small to medium sized business owner, there is surely a BB&T business credit card for you. The BB&T credit card connection is a quality program that offers quality money management tools to help you simplify your business accounting and cash flow.
According to the BB&T website, you can:
“access your company’s credit card information 24 hours a day, 7 days a week, with BB&T Credit Card Connection. This online service gives you the freedom to manage your company’s business, corporate or purchasing cards from any desktop or mobile device.”
Whether you are looking for a BB&T business credit card or a BB&T rewards card for personal use, this bank offers you a number of quality options.
AdvisoryHQ’s List of the Top 5 Best BB&T Cards
List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):
- BB&T Bright® Card
- BB&T Spectrum Rewards® Card
- BB&T Visa Corporate Card
- BB&T Visa Purchasing Card
- BB&T Visa Business Credit Card
Top 5 Best BB&T Cards | Brief Comparison & Ranking
BB&T Credit Card Connection Names | % or Low Intro APR Offer? | Intro Duration | Annual Fee |
| BB&T Bright® Card | 0% | 15 months | $0 |
| BB&T Spectrum Rewards® Card | 0% | 12 months | $0 |
| BB&T Visa Corporate Card | None | None | $0 |
| BB&T Visa Purchasing Card | None | None | $0 |
| BB&T Visa Business Credit Card | None | None | $0 |
Table: Top 6 Best BB&T Credit Card Rewards | Above list is sorted alphabetically
What Should I Consider When Reading a BB&T Credit Card Review?
When trying to find the right BB&T credit card for you, there may seem to be too many options to choose from. For a BB&T business credit card, should you choose the BB&T Visa Purchasing Card or the BB&T Visa Corporate Card? For personal cards, is the BB&T Bright Card or the BB&T Spectrum Rewards® Card right for you?
One way to research the best BB&T credit card for you is through finding a thorough BB&T credit card review. We will offer below our own BB&T credit card review for five of the best BB&T credit cards on the market today.
However, you can also find other independent BB&T credit card reviews on the web. Wallethub offers one quality BB&T credit card review that you can find here.
When doing research on which BB&T credit card is right for you or for your business, make sure you find reviews that contain up-to-date information on the current APR rates, rewards program, fees, and other pertinent information. You should always check the information by following the links to the BB&T credit card websites as well.
Top Features of a BB&T Bank Credit Card or BB&T Bright Card
The best BB&T credit card for you will depend on how you plan to use your card and your personal financial situation. For example, if you tend to maintain a large monthly balance on your credit card accounts, it is important to find a card with the lowest possible APR. The BB&T Bright card offers one of the lowest APRs, starting at only 8.40%.
If, however, you have the financial responsibility to pay off your balance in full each month, you will probably be less interested in finding a BB&T credit card with a low APR and more interested in BB&T credit card rewards. The Spectrum Rewards® card is one BB&T credit card that comes with a decent rewards program. We will review both of these BB&T credit cards below.
When deciding on a BB&T business credit card, you will need to research which BB&T credit card offers your business the best money management tools. Do you need to control your employee spending, or are you more interested in receiving rewards for your company’s spending? Answering these questions will help you find the best BB&T credit card for you and your business.
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AdvisoryHQ’s Selection Methodology
What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top rated lists?
Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.
Detailed Review – Top Ranking Best BB&T Credit Cards
Below, please find the detailed review of each credit card on our list of BB&T Credit Cards. We have highlighted some of the factors that allowed these BB&T cards to score so highly in our selection ranking.
BB&T Bright® Card Review
The BB&T Bright card is one of the best personal credit cards on the market today. While you need to have a decent credit score in order to apply, this BB&T credit card comes with one of the lowest APRs on the market, starting at only 8.40%. Furthermore, the BB&T Bright Card also offers a 0% Introductory (APR) for 15 months on purchases and balance transfers.
Photo Courtesy of: BB&T Corporation
If you habitually carry a high monthly balance on your credit cards and are paying an APR anywhere between 20 and 30%, the BB&T Bright Card can save you thousands of dollars. Furthermore, if you have gotten yourself into debt troubles with another high APR card, this BB&T credit card can save you several hundreds of dollars in high interest payments.
BB&T Spectrum Rewards® Card Review
Another of the best personal BB&T credit cards is the BB&T Spectrum Rewards® Card. This BB&T bank card comes with one of the most flexible rewards programs on the market. By using this quality BB&T Bank credit card, you can benefit from a bonus 3% cash back during the first 90 days of owning the card.
Photo Courtesy of: BB&T Corporation
Furthermore, this BB&T rewards card also offers a 1% cash back program for all purchases. At the end of each year, you will even earn a 5% cash back on your accumulated rewards, making this card unique in that it offers BB&T credit card rewards twice: once after you purchase and again at the end of the year. There is also no annual fee associated with this BB&T credit card.
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BB&T Visa Corporate Card Review
Among the BB&T cards for businesses, the BB&T Visa Corporate Card is the best option for small business owners looking for ways to delegate responsibility to trusted employees while still maintaining control of how money is spent during business trips.
With this top BB&T business credit card, you will benefit from per transaction dollar limits, daily and monthly spending limits, and certain vendor blocking.
Photo Courtesy of: BB&T Corporation
This top BB&T credit card for businesses also allows you to control the number of daily ATM authorizations so that your employees don’t go on an unauthorized shopping spree with the company card.
With BB&T credit card connection (which also comes with this BB&T credit card), you also will have a complete and thorough online connection to all aspects of your account. The BB&T credit card connection program allows you to maintain control over your company’s finances while still giving your employees the convenience of using a company card.
BB&T Visa Purchasing Card Review
The BB&T Visa Purchasing Card is another of the top BB&T cards for businesses. With this quality BB&T credit card, your business will benefit from no annual fee, a low APR, a reduction in purchase order costs, variable credit limits that will allow you to better control employee spending, and flexible payment options.
Photo Courtesy of: BB&T Corporation
Of the BB&T cards for businesses, the Visa Purchasing Card also offers car rental insurance against theft or damage, medical and legal referrals and assistance, emergency airline ticket replacement, lost luggage assistance, and other perks. The BB&T credit card connection program is also a feature of this top BB&T credit card for businesses.
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BB&T Visa Business Credit Card Review
If you are looking for a BB&T card for your business that offers a quality business rewards program, the BB&T Visa Business Credit Card is the best option for you.
Photo Courtesy of: BB&T Corporation
Apart from offering a low APR, no annual fee, and an optional overdraft protection program, this BB&T credit card also comes with a rewards program that will allow your business to redeem earned points for retail and restaurant gift cards, prepaid gift cards, airline tickets, and other rewards that can go to benefit your employees.
The rewards program with this top BB&T credit card allows you to earn one point for every dollar spent by all linked employee cards. If you have several trusted employees using your BB&T rewards card, the points can add up fast, and those points won’t expire for up to five years.
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Conclusion – Top 6 BB&T Credit Cards
BB&T cards are a great option for anyone who has a halfway decent credit score. The APR on the BB&T credit cards we reviewed here are significantly lower than other competitors on the market, with many of the cards starting as low as 8.40%.
Furthermore, many of the top BB&T credit cards come with quality introductory APR offers for purchases and balance transfers that will help you take control over your financial livelihood.
The BB&T credit card connection program also offers you complete online access to all information related to your BB&T credit card. With the BB&T credit card connection program, you can stay on top of your own personal expenses as well as maintain a closer eye on how your employees are spending your business’s money.
Finding the right BB&T credit card for you will largely depend on how you plan to use the card and whether you are looking for the lowest possible APR or the best BB&T credit card rewards.
Whichever BB&T credit card you choose, you will be sure to benefit from some of the best terms and conditions and additional perks offered by the credit card industry.
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AdvisoryHQ (AHQ) Disclaimer: Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info. Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.
