Reviews BB&T Bright card review
BB&T Bright card review

BB&T Bright card review

Published: June 12, 2017
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Ratings Policy
Balance Transfer Rating:
4 rating
4 rating
4 / 5
Introductory Offer: 4.2
Net Value: 4.6
Features: 2.0

In a nutshell:

A great card for BB&T bank customers, the BB&T Bright card ranks high on our list of balance transfer cards thanks to its ultralow APR and lengthy 15-month interest-free balance transfer promotion.

0% Introductory Period
15 months

Transfer Fee
$10 or 3% (whichever is higher)

Introductory Purchase APR
0%

Regular APR
8.65-17.65%

Annual Fee
$0

Other Notable Features: Travel accident insurance, overdraft protection, purchase protection

Low Interest Rating:
4.3 rating
4.3 rating
4.3 / 5
Rates, Fees, Penalties: 4.7
Rewards: 0.0
Features: 2.0

In a nutshell:

The BB&T Bright Card is a true low-APR card, which is great for someone with excellent credit who carries a balance from month to month.

Regular APR
8.65-17.65%

Introductory Purchase APR
0%

Introductory Balance Transfer APR
0%

Fees

  • No annual fee
  • 3% or $10 balance transfer fee (whichever is smaller)
  • 3% foreign transaction fee
  • 22.65% cash advance APR
  • 3% or $10 cash advance fee(whichever is smaller)

Penalties

  • $25-$37 late payment fee
  • No penalty APR
  • No returned payment fee

Other Notable Features: Travel accident insurance, overdraft protection, purchase protection

The BB&T Bright Card’s 8.65 percent APR is one of the most consumer-friendly interest rates in the industry. While it’s always better to pay off your balance in full every month, this card’s APR is much lower than the average credit card’s 15.36 percent rate. The benefits don’t end there. There is no annual fee and zero percent APR for both balance transfers and purchases for 15 months.

Introductory zero percent APR
The BB&T Bright Card comes with an introductory zero percent interest rate for both balance transfers and purchases for a respectable 15 months. That gives you a chance to consolidate debts from your other high-interest cards and still buy a couple of high-ticket items that you’d like to pay for over time.

No penalty APR
The lack of a penalty APR is one major plus of this card for cost-conscious consumers. More often than not, consumers don’t notice or appreciate this benefit, as it’s buried in the listing of other fees. But it’s actually very important. While other cards might increase your interest rate by more than 30 percent if you forget to submit your payment by the due date, the BB&T Bright card will maintain your low interest rate even if you miss a payment.

Lack of other common fees
The BB&T Bright Card will spare you many common fees, including over-the-credit-limit and returned-payment fees. And if you have only a small amount due and miss your due date, your late fee won’t be higher than the minimum amount due. For example, if your total minimum payment due is $10, that’s what you pay as a late fee. And the first time you miss a payment, you receive a discounted late fee of $25 instead of the regular $37 fee.

Purchase protection
The BB&T Bright Card is not a Visa Signature card, but it does come with the Visa Signature purchase-protection benefit.  According to Visa, eligible purchases will be replaced, repaired or reimbursed within the first 90 days from the date of purchase.

No rewards
The BB&T Bright Card doesn’t offer a rewards or cash back program of any kind.

Reasons to get it:

  • You carry a balance and want to save money on interest.
  • You want to transfer a balance from a high-interest card and/or purchase an expensive item with the ability to pay over time.
  • Saving money on interest is more important to you than cash back and rewards.

How to use it:

  • Transfer your balances from other high-interest cards, but pay off as much as you can, despite the BB&T Bright Card’s low APR.
  • The BB&T Bright Card has a 3 percent foreign transaction fee, so avoid using it overseas.
  • When you buy an expensive item, use this card rather than another card that doesn’t come with the purchase security benefit.

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