BB&T Bright Business Visa
BB&T Bright Business Visa Unaffiliated

BB&T Bright Business Visa

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Purchase APR  (Variable APR) 10.24% - 19.24%
Balance Transfer APR  (Variable APR) 10.24% - 19.24%
Credit Score Range 670 - 750
Annual Fee $0

BB&T Bright Business Visa Review

Key Takeaways

  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. BB&T Bright Business Visa has a variable purchase APR that ranges from 10.24% up to 19.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 4% Balance transfer fee. BB&T Bright Business Visa charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of BB&T business credit card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 10.24% up to 19.24%.
  • No annual fee.
  • Identity Theft Protection.
  • BB&T Bright Business Visa reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 4% balance transfer fee.
  • Does not include many credit card benefits.

BB&T business credit card FAQ

Who is BB&T business credit card designed for?

What are the relevant APRs?

BB&T business credit card is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $39.
  • An overlimit fee of $39.

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.

BB&T business credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 4%
Minimum Balance Transfer Fee $10
Late Payment Fee up to $39

Does it offer a cash back or rewards program?

No, it does not offer a cash back rewards program.

What are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (336) 733-3300.

What is the support contact email?

The support contact email for this business credit card is

Does BB&T Bright Business Visa report your account activity to credit bureaus?

Yes, BB&T Bright Business Visa reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the BB&T .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From BB&T business credit card

Best if you, Want a no-annual-fee card with a low APR. Would like to simplify your finances by separating business and personal expenses. Enjoy interest-free purchasing power for 12 months. Get no-cost employee cards. Manage your card activity easily through BB&T eZBusiness. Get overdraft protection on up to two business deposit accounts.

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Annual Fee $0
Cash Advance Fee (%) Starting at 4%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 3%
Late Fee Amount Up to $39
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $0
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $39
Returned Payment Fee Starting at $39
Customer Type Business
Minimum Age 18
Credit Score Range 670 - 750
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
APR Type Variable APR
Balance Computation Average Daily Balance (including new purchases)
Cash Advance APR (Variable APR) 24.24%
Penalty APR (Variable APR) 25.15%
Purchase APR (Variable APR) 10.24% - 19.24%
Balance Transfer Fee % 4
Balance Transfer Fee % After Intro Period Starting at 4
Balance Transfer Fee Minimum 10
Balance Transfer APR (Variable APR) 10.24% - 19.24%
Card Network Visa
Card Type
  • Low Interest
  • Charge Card

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