The BB&T Spectrum Rewards lets you earn rewards on your purchases. However, there are many other programs that offer rewards, but what makes this program stand out from the rest is its flexibility. This program offers you exceptional travel benefits, but there also many other ways to use your earned rewards. Your rewards can be used for gift cards, merchandise, cash back and more. To earn rewards, all you need is to make purchases using your BB&T Spectrum Rewards Credit Card. The program is rewarding, simple and convenient. To join this program, you don’t need to pay any cost. You can see the specific terms to join this program on your card disclosure.
How BB&T Spectrum Rewards Value Is Earned?
Every purchase made using the card account will help you get 1% in the rewards value (exclusive of the cash advances, access checks, traveler’s checks, credits, balance transfers, and returns). A 5% bonus is also offered on your rewards, every year. To earn the rewards value it is necessary that the account must fulfill your agreement terms with their rewards program.
How To Use Rewards Value?
You would only be able to use the rewards value if you have a current credit card account and it is open (no previous due balances), your outstanding balance is within the approved line of credit, and your account has a good standing. To use the rewards value for receiving rewards, you can dial their Rewards center helpline that is 800-778-1721. The helpline is open between 8:00 am to midnight ET, 24/7. Or, you can also visit the BB&T Online to receive rewards.
Available Rewards Types
There is a range of the rewards types that you will get with this program. Some of the major types of rewards are merchandise, gift cards, travel and cash back. The travel rewards offered through this program include hotel bookings, auto rental bookings, and airline tickets. You can also get the gift cards of your favorite merchants. The gift cards are from different categories, such as shopping, home/office, dining as well as the child-related rewards.
You can earn unlimited rewards through the BB&T Spectrum Rewards program. This program doesn’t have any annual or monthly caps. For complete details, you can go through the Rewards page on their official website.
Does Rewards Value Expire?
The rewards offered are redeemable and tracked on the first-in and first-out basis. It means that the oldest rewards in your account will be used first upon the redemption. After five years from the issuance date, the rewards will expire automatically. However, the rewards that you receive by the gifting will be expired one year after the gifting date. If you close your BB&T Spectrum Credit Card, then you will not be able to use the rewards value. To view and use the rewards value, you can visit the BB&T OnLine webpage, anytime.
The rewards value that you get through this program can be used to book airline tickets. However, the airline carrier must be on the list of this rewards program. If the airline ticket cost exceeds the rewards value, then you can pay the difference using your credit card. Or, you can also select another available flight that’s ticket fare is within your rewards value. The airline tickets that you book using the rewards value are non-changeable, non-transferable, and non-refundable. There are no restrictions on the airline tickets by minimum night stays blackout dates, or other requirements, such as days-in-advance.
You cannot combine the rewards value with other discounts, promotions, special rates, or such a reward program. If there is any change to the flight itinerary, then it would be subjected to the terms and conditions of the applicable airline.
Other Travel Rewards
Apart from the airline booking, there are also other travel rewards available. For instance, you can use your rewards value to book hotel, car rental, and other such activities that come under the BB&T Spectrum Rewards program. There are additional terms and conditions that are disclosed when you are going through the process of booking.
BB&T Spectrum Rewards Account
To offer more convenience and ease, they also let you access your online BB&T Spectrum Rewards account. Through this program, you can personalize your experience. By logging in to this account, you will also get the recommendations according to your interests. If you are not enrolled in the online banking account, then you should first get registered on their official BB&T website. With this account, you can even pay bills, transfer funds, and more in a convenient way.
Instructions To Login To Your BB&T Spectrum Rewards Account
If you want to personalize your experience, then all you need is to sign in to your online account. Here is how you can do it:
- Access the official BB&T Spectrum Rewards website. To access this page, you can use the link: www.bbtspectrumrewards.com/
- Once there, you can see a “LOG IN” link just below the slider image of this webpage. Click this link to get started.
A new page will open now. Here, you need to click the link “Click Here”, and then you will be directed to the official website of the BB&T. There, you can see an “Online Banking” form on the right-hand side of the page. Enter your User ID and Password in the matching fields, and then click “Log in” button. This is how you can access your online account.
If you are a new user, then you should click the “Enroll now” link that is available under the “Online Banking” form. Complete the account registration process and log in to your account by following the instructions that we have discussed above.