I would recommend you a card based on what you plan to use the card for. The BB&T bright card is known for its low APR privileges. The card comes with no annual fee and a 0% introductory APR on purchases. After the 0% introductory APR, this card will have a variable APR of 8.65% to 17.65%. The BB&T Spectrum rewards card comes with no annual fee and cash back on all eligible purchases. The first 90 days that you have the card, 3% cashback will be earned on all purchases. After that, 1% will be earned. In addition, you will earn a 5% anniversary bonus every year you have the card. If you are interested in making purchases on credit with a low APR, I would recommend the Bright card, if you wish to earn cashback on the purchases you make, I would recommend the Spectrum Rewards card.