BB&T Cash Rewards Platinum Card: Comprehensive Overview

The BB&T Cash Rewards Platinum card is an attractive option for individuals looking for a reliable cashback credit card. Issued by BB&T (now Truist after the merger with SunTrust), this card combines rewards with valuable financial benefits tailored for everyday spending. Heres an in-depth look at what this card has to offer.

Card Type

The BB&T Cash Rewards Platinum is primarily a cashback credit card. This type of card is ideal for consumers who prefer earning immediate cash rewards for their everyday purchases rather than points or miles.

Annual Fee

One of the standout features of the BB&T Cash Rewards Platinum card is its no annual fee policy. Cardholders can enjoy its benefits without worrying about incurring additional costs at the end of the year.

Rewards Program

This credit card offers a competitive rewards program that allows cardholders to earn cashback on every purchase. Users can earn 3% cashback on eligible gas purchases, 2% cashback on grocery store purchases, and 1% cashback on all other purchases. Rewards can be redeemed for statement credits, deposits into a BB&T account, or other options. This flexible structure makes the card an appealing choice for frequent shoppers.

Sign-Up Bonus

New cardholders can also take advantage of a lucrative sign-up bonus. Upon spending a qualifying amount within the first few months of account opening, users can receive a cash reward bonus, enhancing the cards initial appeal.

APR (Annual Percentage Rate)

The standard APR for the BB&T Cash Rewards Platinum card is competitive, making it suitable for cardholders who may carry a balance. Additionally, there might be promotional rates available for an introductory period, allowing new users to benefit from 0% APR on purchases and balance transfers for a limited time.

Foreign Transaction Fees

For those who travel or shop internationally, the BB&T Cash Rewards Platinum card does not charge any foreign transaction fees. This feature is particularly beneficial for globetrotters, as it eliminates the added costs associated with overseas purchases.

Balance Transfer Options

The card offers appealing balance transfer options, including promotional 0% APR for specified periods. However, it is recommended to check the cards terms for any balance transfer fees that may apply to ensure maximum savings.

Additional Fees

While the BB&T Cash Rewards Platinum card boasts no annual fee, its essential to be aware of other important fees, such as late payment fees and cash advance fees. Late fees can apply if the due date is missed, making timely payments crucial for cardholders.

Card Benefits and Perks

Cardholders can enjoy several benefits and perks with the BB&T Cash Rewards Platinum. These may include travel insurance, roadside assistance, and various travel-related perks such as concierge services, making it a practical choice for frequent travelers.

Customer Protections and Insurance

This card also offers robust customer protections. Cardholders benefit from fraud liability protection, ensuring that they are not held responsible for unauthorized purchases. Additionally, purchase protection and rental car insurance provide peace of mind for everyday transactions and travel.

Eligibility and Credit Score Requirements

To qualify for the BB&T Cash Rewards Platinum card, applicants are typically required to have a good to excellent credit score. A recommended score range is often between 690 to 850, indicating a healthy credit history.

Introductory Offers

If applicable, the card may feature introductory offers such as 0% APR on purchases and balance transfers for a specified duration. Keep an eye on these offers, as they can significantly enhance the cards value during your initial months of use.

Special Features or Unique Selling Points

A unique selling point of the BB&T Cash Rewards Platinum card is its generous cashback on essential spending categories, particularly gas and groceries. This focus on everyday expenses sets it apart from other cashback cards that may not offer as much in terms of specific bonus categories.

How to Apply

Applying for the BB&T Cash Rewards Platinum card is straightforward. Interested individuals can start their application process online by visiting the official website of BB&T. To access the application form, click the following link: UpCube.net. Don’t miss out on potential rewards”apply for the BB&T Cash Rewards Platinum card today!