BB&T (now Truist)
Spectrum Cash Rewards Secured Credit Card
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Card review
Spectrum Cash Rewards Secured Credit Card
BB&T (now Truist)
Last updated September 22, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$19
Welcome bonus
See issuer
Est. net value
$315/yr
Credit score
Varies
Top earn rate
2x gas
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Spectrum Cash Rewards Secured Credit Card from BB&T (now Truist) carries a $19 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $333.60 in rewards plus $0.00 in credits and perks — $314.60 net per year before welcome bonuses.
How the points work
There is a monthly cap (first day of a month through the last day of a month) of $1,000 on spend at the bonus rate combination of 3% at gas stations and 2% at grocery store/supermarkets and utilities.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| GasGas | 2× |
| GroceriesGroceries | 2× |
| Everything elseUtilities | 2× |
| Everything elseAll Purchases | 1× |
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$19
- Stated credits
- +$0
- Perks (est.)
- +$0
- Net after credits & perks
- -$19
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $19 per year.