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Hello, I am currently interested in applying for one of the credit cards offered by BB&T Bank. The problem is that I’m not sure whether I should apply for the Bright card or the spectrum card. Would you happen to have any recommendations?

Answered on | Updated on January 27th, 2017
The content is accurate at the time of publication and is subject to change.

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.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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