The BB&T Spectrum Cash Rewards credit card is a cash back rewards card.

Cash back of 3% on gas, 2% on groceries and 1% on others 

2% and 3% cash back on $1,000 combined purchase

Earn 10% Bonus Cash Back on redeeming rewards.

There is a 0% APR for the first 12 months and a variable APR of 13.24% and 22.24% after. 

No sign-up bonus

Annual fee is $0, foreign transactions 3%

Balance transfers fee  3%

Rewards Cash Back, Statement Credits, Gift Cards etc.