Intro Rate  0% |
Intro Period 12 months |
Regular Rate 8.15% - 15.9% |
| Intro Rate0% | Intro Period12 months | Regular Rate8.15% - 15.9% | Balance Transfer Fee 3% (max $99) |
| Cash Advance Rate 8.15% - 15.9% |
Cash Advance Fee 3% (min $10) |
- Enroll in optional BB&T Rewards program and earn points toward retail and restaurant gift cards, BB&T gift cards, merchandise, travel and more.
- No annual fee.
- Travel and Emergency Assistance.
- Easy Online Access.
- Travel and Emergency Assistance.
- Accepted at more than 32 million locations worldwide.
- Can be used at more than 800,000 ATMs worldwide.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: None
- Grace Period: 25 days
- Online Response: No
- Foreign Transaction Fee: 3%
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Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the BB&T Visa® Platinum Credit Card shown on this page.
The card information shown on this page was last updated: May 17th, 2012 at 3:44 EDT
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Unlike the college basketball tournament held every year, this isn’t the BB&T classic. Instead, it’s the BB&T Platinum, the BB&T Visa Platinum Credit Card, that is. The differences don’t end there either. While it’s obvious who the best team in a basketball tournament is, it can be somewhat more difficult to tell whether a given credit card is best for you or not. That’s why I do these little credit card reviews, so without further ado, why don’t we see what the BB&T Platinum Card has to offer? Starting with rewards, the BB&T Bank Platinum Visa doesn’t have any. Hmm, like a big halftime lead, this gives us a pretty good idea how the game will turn out, but we still have to finish the action. Continuing with rates, the BB&T Visa offers 0% on purchases and transfers for 12 months, which is good but not great when you consider that there are offers out there that give 0% on both for as long as 18 months. While the BB&T Platinum Credit Card doesn’t have an annual fee, it does require excellent credit for approval, which means that it really doesn’t measure up with its competition, all things considered. So what is this competition I speak of? Well, there are a lot of really good offers, and which one you pick depends on your needs. If you want rewards, the Chase Sapphire Preferred, Capital One Venture, and Amex Blue Cash Everyday are great offers. If you want low rates, the three Citicards offering 0% on purchases and transfers for 18 months are good, as is the Discover More Card, which offers 0% for 15 months in addition to some great rewards. Any of these cards would be better than the BB&T Platinum Visa Card.