Credit Card – How to Apply for the Budget-Friendly BB&T Bank Card


With a history that goes beyond a century and a half, BB&T Bank is one of the biggest financial institutions on the East Coast. It is not only budget-friendly, but their services are also convenient and straightforward to use. 

The bank offers numerous financial products. It has recently merged with SunTrust, and they are now known as Truist, but they will still offer separate products for some time. 


If you are on a budget, keep reading to find out what is the best option for you. BB&T Bank offers highly competitive credit cards with the most advantageous rates. 

Credit Card - How to Apply for the Budget-Friendly BB&T Bank Card

Fees and Interest

One of the most popular offerings from BB&T Bank is the Bright Card. It is a great budget-friendly option for anyone who has a good credit score. 

The Bright Card comes with 0% APR for the first 15 months. After this period, the APR can range between 11.24% and 20.24%, based on your creditworthiness and other aspects determined during the application process, such as banking relationships. The offer applies to both purchases and balance transfers. 


The APR for cash advances is 22.24%, but similar to the APR for purchases and balance transfers, and it can fluctuate according to the market rate. The good news is that there is no penalty APR. 

If you are on a budget, it’s best to avoid paying the APR after the introductory period by ensuring that all outstanding balances are paid off within 25 days after the billing cycle. There is no minimum interest charge in case you have to pay for it. 

The Bright Card is an excellent option for budget constraints. It has no annual fee and no transaction fee for purchases

For balance transfers and cash advances, there is a 3% fee on each transfer or transaction, and there is a minimum limit of $10. For foreign transactions, the bank charges 3% fees. 

There are no over the credit limit fees or returned payment fees. However, there is a penalty fee of up to $38 for late payments. 

How to Apply 

If you want to apply for this budget-friendly BB&T card, you need to be at least 18 years old. Also, you need a good credit score of 670 or higher, which is then used to determine your credit limit and APR. 

You need to provide your personal and contact details, SSN, and date of birth. Financial information is also required, such as your annual income and employment details. 

To apply for the budget-friendly BB&T card, you need to access the BB&T website. Then, select “Apply Now” or “Open an account”. Complete the form with your information, review the data, and submit the application. 

You might get an automated response, which typically takes one minute. If you need to provide more information, it might take a few business days or a few weeks until you get their reply. 

If you would like more information about another great option, check out this Capital One credit card.

Bank Contact Details

The bank can be reached via phone at 800-226-5228 or in-person by locating a branch. 

They are headquartered at 200 W 2nd St, Winston Salem, NC 27101. 

Features and Benefits

The main perk of this card is that it is one of the most affordable credit cards on the market. There is a 0% introductory APR for the first 15 months after you open your account. After this, if you have a good credit score, you can qualify for an APR as low as 11.24%. 

The card also comes with the chance of redeeming cash back at participating retailers: Starbucks, Chili’s, AT&T, Jamba Juice, Sears, Sephora, DirectTV, and PetSmart. 

You can do so by accessing the BB&T mobile app, where the bank will offer you limited-time deals based on your activity. 

Credit Card - How to Apply for the Budget-Friendly BB&T Bank Card


All in all, BT&T is the perfect choice for anyone on a tight budget who wants an affordable, costless credit card. The APR is 0% for the first 15 months, and the card has no annual fee, among other perks. 

They also offer the option of redeeming cashback from several popular retailers, which is another way of saving more money each month. 

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.