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BB&T Spectrum Cash Rewards Approval

mgarnes
Frequent Contributor

BB&T Spectrum Cash Rewards Approval

After a few months of gardening and BB&T stepping up their card game, I went in to the local branch and apped for the BB&T Spectrum Cash Rewards credit card. The rewards structure was very appealing, 3% cash back on gas, 2% on utilities and groceries and 1% on all other purchases. Plus, if you redeem your cash back and have it deposited into your BB&T checking account, you get an additional 10%... So $100.00 cash back turns into $110. Was not an instant approval but a "5-7 business days". My banker said especially with BB&T that's not a definite no and they will look past inquiries and some negative information if you have a relationship with them. I have the BB&T Bright CC, Elite@Work checking, money rate savings and eSavings. Two days later, I got an email approved for $4,500. BT offer 0% for 12 months I believe.

 

I've been hitting it hard and so far i'm impressed


Chase Freedom (5.6k) Chase Amazon AU (13k) NFCU cashRewards (20k) NFCU Business MasterCard (10k) Bank Americard Platinum Plus MasterCard (5.4k) Chase Slate (5k) Amex Business Delta SkyMiles Platinum (17k) Bank of America Sandals Rewards (9k) Chase ink Preferred (10k)
Message 1 of 7
6 REPLIES 6
AverageJoesCredit
Mega Contributor

Re: BB&T Spectrum Cash Rewards Approval

NoiceSmiley Happy EnjoySmiley Happy
Message 2 of 7
VoltronM
Senior Contributor

Re: BB&T Spectrum Cash Rewards Approval

Congrats on approval and nice SL

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 7
4theLoveofPoints
Valued Contributor

Re: BB&T Spectrum Cash Rewards Approval

Congrats on the approval. 

 

I recently just got this card yesterday.  The 10% bonus cashback into a BB&T checking account is definitely a plus.  I'm waiting for a checking bonus and then I'll open one up to take advantage of that benefit.



Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 4 of 7
Xiang182838
Established Contributor

Re: BB&T Spectrum Cash Rewards Approval

 Congrats on the approval!!Smiley Happy




Message 5 of 7
19eighty5
Senior Contributor

Re: BB&T Spectrum Cash Rewards Approval

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 6 of 7
xaximus
Valued Contributor

Re: BB&T Spectrum Cash Rewards Approval

Congrats!!


Scores - All bureaus 756 +
TCL - Est. $275K
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