BB&T (now Truist)
Spectrum Travel Rewards
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Card review
Spectrum Travel Rewards
BB&T (now Truist)
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$89
Welcome bonus
See issuer
Est. net value
$212/yr
Credit score
Varies
Top earn rate
2x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Spectrum Travel Rewards from BB&T (now Truist) carries a $89 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $301.20 in rewards plus $0.00 in credits and perks — $212.20 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseAirfare | 2× |
| TravelHotels | 2× |
| Everything elseCar rentals | 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
- −$89
- Stated credits
- +$0
- Perks (est.)
- +$0
- Net after credits & perks
- -$89
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 $89 per year.