The BB&T Spectrum Travel Rewards Credit Card is the go to card if you want to earn easy bonus miles and sign up bonuses. You can earn 20,000 bonus miles when you spend $2,000 in the first 90 days. Start earning unlimited 2x miles on air/hotel/car rentals and 1x miles on all other purchases There is no foreign transaction fee and no annual fee for the first year, and $89 thereafter.
This card is only available in select states (AL, DC, FL, GA, IN, KY, MD, NC, NJ, OH, PA, SC, TN, TX, VA, WV) so if you qualify, consider taking advantage of this credit card. If you would like to get some more information over the BB&T Spectrum Travel Rewards Credit Card, continue reading about it below!
* The Spectrum Travel Rewards credit card is issues by BB&T bank. They also offer great sign-up bonuses for their Checking/ Savings Accounts. You can also compare this card with other credit card bonuses!
Note: Check out the following cards to earn one of the best cash/points back opportunities on travel spend: Wells Fargo Propel card, the Chase Sapphire Preferred card, or the Capital One Venture Rewards card! For a wider variety, see more credit card bonus offers here.
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Table of Contents
- 1 BB&T Spectrum Travel Rewards Credit Card Summary
- 2 Editor’s Alternate Pick
- 3 BB&T Spectrum Travel Rewards Credit Card 20,000 Bonus Miles
- 4 BB&T Spectrum Travel Rewards Credit Card Benefits
- 5 BB&T Spectrum Travel Rewards Credit Card Top Features
- 6 Spectrum Travel Rewards Card Availability
- 7 Bottom Line
- 8 Who’s the Competition?
BB&T Spectrum Travel Rewards Credit Card Summary
|Bonus Available||Earn 20,000 bonus miles after spending $2,000 on purchases in the first 90 days and paying the annual fee|
|Travel Credit||Enjoy an annual $50 statement credit towards airline incidentals.|
|Airport Lounge Access||No|
|Foreign Transaction Fees||None|
|Annual Fee||Waived the first year; $89 annually.|
- Earn bonus miles on eligible purchases
- Flexible rewards
- TSA Pre-Check or Global Entry credit
- No foreign transaction fees
- Annual Fee
- Limited availability
- Restricted definition of travel
- Good-Excellent credit needed to qualify
Editor’s Alternate Pick
The Chase Sapphire Preferred® Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®!
You'll earn 2X points on travel and dining at restaurants worldwide; 1 point per dollar spent on all other purchases. And when you redeem your points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards, you'll get 25% more value!
BB&T Spectrum Travel Rewards
Credit Card 20,000 Bonus Miles
Take advantage of the BB&T Spectrum Travels Rewards credit card 20,000 bonuns miles, in order to qualify for this offer you have to spend $2,000 in eligible purchases within the first 90 days from account opening!
|• Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well.|
|• Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank.|
|• Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't.|
|As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance.
Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes.
BB&T Spectrum Travel Rewards Credit Card Benefits
- Enjoy flexible rewards you can use for travel, gift cards, statement credits and more. Plus, your miles are worth 75% more in value when redeemed for hotel stays
- Add an extra layer of security with fraud alerts—we’ll text, email or call you if we suspect suspicious activity.
- Guard against unauthorized credit card use with Visa’s Zero Liability Policy.
- Monitor your credit with VantageScore, provided by Equifax—your free score and detailed review are updated regularly so you can be confident in your credit decisions
- Get customizable card control features in U by BB&T that let you choose when, where and how your card is used.
- Turn your card off instantly if you temporarily misplace it
- Set geographic limits for fraud protection
BB&T Spectrum Travel Rewards Credit Card Top Features
Earn 20,000 bonus miles when you spend $2,000 in the first 90 days from account opening
Earn 2x miles on air, hotel, and car rentals; plus earn 1x miles on all other qualifying purchases*
*Eligible purchases include any signature-based purchase, Internet purchase, phone or mail-order purchase or automatic bill payment
Earn up to $50 each calendar year on qualifying airline incidental transactions. You can use towards check bag fees, in flight purchases, and more!
Get an $85 credit for TSA Pre-Check or Global Entry Disclosure every four years.
If you are traveling abroad, you can use your BB&T Spectrum Travel Rewards Credit Card and get no foreign transaction fee for any purchases made!
Spectrum Travel Rewards Card Availability
The Spectrum Travel Rewards card is limited to BB&T’s networks, so if you reside elsewhere than the states listed below, consider other credit card options.
- District of Columbia
- North Carolina
- New Jersey
- South Carolina
- West Virginia
If you are currently looking for a good travel credit card, consider signing up for the BB&T Spectrum Travel Rewards Credit Card. This is the great credit card if you are interest in sign up bonuses and earning bonus miles.
This card has no foreign transaction fee and no annual fee for the first year. Earn unlimited 2x miles on air, hotel and car rentals, plus 1x miles on all other purchases! Use this miles toward your next flight or vacation. For more credit cards, see our latest list of the best credit card bonuses!
(Visit BBT.com for more detail about this card)
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
Who’s the Competition?
Check out other travel cards that are good competitors like the Platinum Card® from American Express, Wells Fargo Propel American Express® Card, the American Express® Gold Card, and the Capital One® Venture® Rewards Card.
The The Platinum Card® from American Express offers 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
This card comes with an annual fee of $550 (See Rates & Fees), but you cardholders can enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Furthermore, you'll receive $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Plus, up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card® & receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts.
In addition, you can earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel & on prepaid hotels booked on amextravel.com.
The Wells Fargo Propel American Express® Card offers 30K bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value.
You'll earn 3X points for:
• eating out and ordering in
• gas stations, rideshares and transit
• travel including flights, hotels, homestays and car rentals
• 1X points on other purchases
This card comes with no annual fee.
The American Express® Gold Card offers 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
You'll have the opportunity to earn 4X Membership Rewards® points when you dine at restaurants worldwide & at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X); 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
This card has an annual fee of $250 with no foreign transaction fees (See Rates & Fees). Some benefits including earning up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. In addition, a $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
The Capital One® Venture® Rewards Credit Card offers a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening (equal to $500 in travel). Named ‘The Best Travel Card' by CNBC, 2018.
You're able to earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture.
This card does come with a $95 annual fee, however, there is a $0 intro annual fee for the first year. Enjoy no foreign transaction fees and receive up to $100 application fee credit for Global Entry or TSA Pre?®.
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