Because the BB&T Spectrum Cash Rewards credit card is part of the Visa network of credit cards, cardholders receive additional benefits at no added cost. The most noteworthy benefits include:

Using the BB&T Spectrum Cash Rewards credit card for gas purchases is the most efficient way to maximize cash back rewards, because you’ll earn 3% cash back. It’s also good to use the card on groceries and utilities, where you’ll earn 2% cash back. The 2% and 3% cash back earnings are eligible on the first $1,000 in combined purchases each month (1% after that). All other eligible purchases earn 1% cash back.

BB&T Spectrum Cash Rewards credit card holders have access to BB&T Deals that offer more ways to maximize cash back rewards. By signing up through the rewards site for specific deals offered by BB&T’s retail and merchant partners, cardholders can earn additional cash rewards on qualified purchases.

Rewards: BB&T Spectrum Cash Rewards credit card holders earn 3% cash back on gas, 2% on utilities and groceries and 1% on all other purchases. Bonus categories are eligible for 2% and 3% cash back earnings on the first $1,000 in combined purchases each month (1% after that). You can earn 10% bonus cash back when you redeem rewards into an eligible BB&T checking or savings account. Discover it chrome cardholders earn 2% cash back on up to $1,000 in purchases at gas stations and restaurants each quarter. All other purchases made with the Discover it chrome card automatically earn an unlimited 1% cash back.

Sign-up bonus: No sign-up bonus is offered with the BB&T Spectrum Cash Rewards credit card. The Discover it chrome card automatically matches all of the cash back you earn at the end of the first year for new cardholders.

Benefits: The BB&T Spectrum Cash Rewards credit card’s benefits include zero liability for fraud and free monthly credit score access. With the Discover it chrome, you can get free FICO score access every month.

Annual fee: The BB&T Spectrum Cash Rewards credit card charges an annual fee of $0. Chase Freedom Flex has an annual fee of $0.

Rewards: The BB&T Spectrum Cash Rewards credit card offers 3% cash back on gas, 2% on utilities and groceries and 1% on all other purchases. Bonus categories are eligible for 2% and 3% cash back earnings on the first $1,000 in combined purchases each month (1% after that). You can earn 10% bonus cash back when you redeem rewards into an eligible BB&T checking or savings account. No limits are placed on how many rewards can accumulate over time, and users may redeem them for gift cards, merchandise, travel or cash back. Chase Freedom Flex cardholders earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase, 3% cash back on dining at restaurants and drugstores and 1% cash back on all other purchases.

Sign-up bonus: The BB&T Spectrum Cash Rewards credit card doesn’t have a sign-up bonus. Chase Freedom Flex cardholders can earn a $200 cash back bonus after making $500 on purchases in your first 3 months from account opening.

Benefits: With the BB&T Spectrum Cash Rewards credit card, you get access to zero liability for fraud and free monthly credit score access. The Chase Freedom Flex offers extended warranty coverage, zero liability protection and purchase protection.