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BB&T Platinum Credit Card
BB%26T Platinum Credit Card

(5/5 - 1 Votes)
Net Annual Rewards
$112
of BB&T Rewards
Reward Rate
0.50%
Annual Fee
$0
Signing Promo
1,500 BB&T Rewards Bonus - 1,500 bonus points after first purchase.
APR, variable*
Min APR:
8.15%
Max APR:
15.90%
Cash Adv:
8.15%
Intro APR Promotions
Purchase:
0% for 12 mos
Transfer:
0% for 12 mos
Summary
  • Earn 1 point per $1 spent on purchases
  • Points worth 0.5 cents
  • Redeem 2,000 points for $10 card
  • Cash Advance APR same as ongoing APR
  • $9 fee to join rewards program waived if you spend $2,400 per year
Credit Card Review: BB&T Platinum Credit Card

The BB&T Visa Platinum is a solid choice when it comes to low APR deals. However, you should consult our low APR card comparison page, because Citi Platinum Select might be even better.

It’s all relative – understand the math behind finding the best “low apr” or “balance transfer” deal

We encourage you to treat balance transfers like a math test. There is one best card out there, in terms of getting you the lowest possible interest rate – you just need to know how to find it. Of course, you can just trust us to do the math for you by going to our low apr or balance transfer card list.

Here’s how we rank each card:

  • First, factor in the balance transfer fee. This can range from 0% to 5%, but usually when there is a balance transfer promotional period, there is a 3% or greater upfront fee (this applies for balance transfers only)
  • Second, factor in the introductory period APR
  • Third, factor in the ongoing APR over the remaining time you plan on holding the credit card
  • Compute an “effective” interest rate over your assumed time period

Yep – we do it for 500+ cards and rank them in order on our balance transfer page.

Compare To Our Most Popular Cards For The Category

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Compare To Capital One® Venture℠ Rewards Credit Card

Why do we think you should consider this card?

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Reward Details & Calculator

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Rewards Type: BB&T Rewards

Signing Promotion
($8=1,500 points)/2 yrs
$4
Estimated Annual Rewards
$21,600 * 0.50%
$108
Annual Fee, 2 yr avg
$0
Annual Rewards (Rewards less Fees)
$112

Calculate Interest & Finance Charges

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Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.

Finance Charge, Balance Transfer of $10,000*

Balance Transfer Fee, 3.0%
$300
Promo APR, First 12 months
$0
APR, 12 months
$872
Total
$1,172

*Average APR for Balance Transfers of 5.6% includes transfer fees and APR promotions.

Effective Annual Rate, Purchases

Promo EAR, 12 months
0.00%
Ongoing EAR, 12 months
8.46%
Total EAR, 24 months
4.14%

APR Rankings

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APR
8.15%
ranks #139 out of 1750 cards.
Average is 11.76%.
Balance Transfer Fee
3%
ranks #888 out of 1640 cards.
Average is 1.75%.
Cash Advance APR
8.15%
ranks #25 out of 1016 cards.
Average is 18.81%.

Rewards Rankings

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Annual Fee
$0
ranks #1 out of 1794 cards.
Average is $9.
Base Reward Rate
0.5%
ranks #879 out of 935 cards.
Average is 0.99%.
Effective Reward Rate
N/A
Sign-up Bonus
$8
ranks #297 out of 1783 cards.
Average is $28.

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*Disclaimer: We try to keep information accurate and up to date, however we cannot make warranties regarding the accuracy of our information. Please verify FDIC Insurance / NCUA Insurance status, credit card information, and interest rates during the application process.