Interest Rates and Interest Charges 
Annual Percentage  Rate(APR) 
for Purchases 
APR for Balance Transfers 

APR for Cash Advances 

Penalty APR 

How to Avoid Paying Interest on 
Purchases 

BB&T Vantage Visa Signature Credit Card Disclosure 

11.40% This APR will vary with the market based on the Prime  Rate*

11.40% This APR will vary with the market based on the Prime  Rate*

14.40% This APR will vary with the market based on the Prime Rate**
None. 

None 

$125*** 

None 
None 
None 

None 
None 
None 

Your due date is at least 25 days after the close of each billing cycle. We will  not 
charge you any Interest on Purchases if you pay your entire balance by the  due date 
each month. We will begin charging Interest on Cash Advances and Balance 
Transfers on the transaction date. 
None 
To learn more about factors to consider when applying for or using a credit  card, 
visit the website of the Consumer Financial Protection Bureau at  
http://www.consumerfinance.gov/learnmore 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau
Fees 
Annual Fee 
Transaction Fees 
• Purchases
• Balance Transfers
• Cash Advances
• Foreign Transactions
Penalty Fees 
• Late Payment
• Over-the-Credit Limit
• Returned Payment
How we will calculate your balance: We use a method called “average daily balance (including new purchases)” See your 
Cardholder Agreement for more details. 
Other: *The rate for Purchases and Balance Transfers is determined monthly by adding 6.9% to Prime Rate. **The rate for Cash 
Advances is determined by adding 9.9% to Prime Rate.  ***Waived annually with BB&T Wealth Division advisor-assigned 
relationship at time of account opening. Non BB&T Wealth Division advisor-assigned relationship - the $125 initial Annual Fee will 
be charged to your Account during the first billing cycle and every 12 months thereafter. 
Other Fees: The Statement Copy Fee is None.  The Customer Requested Expedited Service Fee is None. 
Variable Rate Information: The Prime Rate used to determine your APR is a variable rate and is the highest prime rate published 
in the “Money Rates” section of the Eastern edition of The Wall Street Journal as of the last day of the month. In the event a rate is 
not published on the last day of the month, the rate published most recently prior to that date will be the effective rate. Prime Rate 
changes will then take effect on the first day of the next billing cycle.  The WSJ Prime Rate is currently 4.50% as of December 13, 
2017; however, this information is subject to change. To obtain information about changes in the above disclosures, contact your 
local BB&T branch office or write: Branch Banking and Trust Company, PO Box 698, Wilson, NC 27894-0698, or call 1-800-476-
4228. 
Bank Secrecy Act Notice: Important Information About Procedures for Opening a New Account: To help the government 
fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and 
record information that identifies each person who opens an account. What this means for you: When you open an account, we will 
ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your 
driver’s license or other identifying documents. 
FCRA Risk-Based Pricing Notice: The terms offered are set based in whole or in part on information obtained in a report from the 
consumer reporting agency listed below. Effective December 1, 2004, you have a right under the Fair Credit Reporting Act to 
obtain a free copy of the report from the consumer reporting agency: Equifax Information Services, LLC, Mail drop H-13, 1550 
Peachtree Street, Atlanta, GA 30309, (800) 685-1111. 
Notice About Communications: By providing your contact information and wireless telephone (cell phone) number to us, for 
which you have represented that you are the subscriber or for which you are authorized to consent on behalf of the subscriber, or 
by providing such information to us or any of our affiliates or agents at any other time, you give consent to receive autodialed 
and/or prerecorded messages, text message(s), emails or other electronic messages for the purpose of servicing your Account or 
for other purposes related to your Account. These communications may include collection calls and could come from us, our 
agents, affiliates, or a third-party debt collector collecting debts on our behalf.  You agree that we will not charge you for a 
communication, but your service provider may.  You also understand and agree that we may always communicate with you in a 
manner permissible by law.  You agree that we may monitor and record any telephone calls to assure the quality of our service or 
for other business reasons.  You may revoke your consent to receive calls at any time through any manner. 

Credit cards are issued by Branch Banking and Trust Company, a subsidiary of BB&T Corporation. Member FDIC