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Which BB&T card are you interested in? Based on the sound of your situation, I would assume it's the BB&T Bright card you're interested in. The Bright card comes with a 0% introductory APR on purchases and balance transfers for the first 15 months of having the card. If you make your purchases with the Bright card, you will receive no interest while making your monthly payments. One suggestion I would have for you is to find out if there is a credit card offered by the store you plan on making your purchases from. If there is, it might come with a no interest financing offer that would also be helpful to make your purchases with.

Don't forget that credit cards can be beneficial, especially if you are planning large purchases. Unfortunately, this card does not offer any rewards and welcome bonuses.

However, you can find credit cards with more generous rewards. For example, you may choose the Discover it® Cash Back credit card. This card offers 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, unlimited 1% cash back on all other purchases. What is more, Discover will match all the cash back new cardmembers have earned at the end of their first year. You can redeem cash back any amount, any time. Rewards never expire.