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BB&T Bright Card

Credit needed
11.24% and 20.24%
Annual Fee

Card Summary

The BB&T bright card is a low interest credit card. The card has a 0% intro rate for purchases and balance transfer, followed by a variable APR (11.24% or 20.24%) over 15 months.
You can redeem offers on the BB&T Deals site to earn cash back. Each offer has a different amount of cashback.
The annual fee is $0, and the benefits offered include emergency and travel assistance as well as zero liability protection.

Card Summary - Cons

Rates and fees

Issuer Name
Branch Banking and Trust Company
Penalty APR
Credit Needed
Balance Transfer Fee
Minimum of 10% from each advance Balance Transfer Intl APR For fifteen months, 0% initial APR
Annual Fee
Cash Advance Fee
Transactions greater than $10 are subject to a minimum of 3% and $10
11.24% and 20.24%
Foreign Transaction Fee
For every transaction in foreign currencies, 3% is added to the U.S. Dollar amount.

Here’s a smart way to pay off

Branch Banking and Trust Company

The Best Features

Zero percent introductory rate: The BB&T bright card offers 0% interest for purchases and balance transfer, followed by variable rates of 11.24% or 20.24%.

Annual fee: The card charges an annual fee $0.Cardholder.

Benefits: Cardholders of the BB&T BB&T Brilliant Card will have access to emergency and travel services as well as an auto rental collision damage waiver.

You also get zero liability purchase coverage.


Sign up bonus

APR Requirements


Rewards are not guaranteed and can be restricted.
This card earns rewards only when it accepts offers from BB&T Deals.
The value of each reward varies.
Transfer fee for balances: This fee equals 3% or $10 depending on the amount transferred.


Visa offers unauthorized purchase protection with Zero Liability.
BB&T deals make it easy to earn money.
Register to U by BB&T and select a deal.
Shop with your credit card for cashback.
Get travel and emergency assistance and a waiver for auto rental collision damage.
There is no annual charge.


Services for emergency and travel assistance.
Waiver of collisions for auto rental vehicles.
Purchase protection with zero liability.

Comparative Analysis with Other Cards

BB&T Bright Card vs. Citi Simplicity Card

Annual Fee: The BB&T Brilliant Card has an annual fee $0.

Annual fee: The Citi Simplicity Card charges $0.

Reward: When you sign up for the BB&T Deals Program, your BB&T bright card will earn cash back. Citi Simplicity Card doesn't offer rewards.

Sign up bonus: No card provides a sign-up incentive.

Benefits: The BB&T Bright Card provides travel and emergency assistance, an auto rental collision waiver, and zero liability purchase coverage.

Cardholders of the Citi Simplicity Card have zero liability for unauthorized charges or identity theft.

Maximizing Rewards

Annual Fees



No late fees. Reduced interest charges. Pay off

Branch Banking and Trust Company