BB&T Spectrum Cash Rewards Business Visa
in Business Credit Cards from BB&T
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| Annual Fee | $0 |
| Purchase APR (Variable APR) | 14.49% - 23.49% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 740 - 850 |
Overview
Who is this credit card designed for?
BB&T Spectrum Cash Rewards Business Visa is a a charge card card issued by BB&T, which is based in Winston-Salem, NC.
BB&T Spectrum Cash Rewards Business Visa is designed for small business owners with a credit score of 740 to 850. It's perfect for consumers looking for a card without an annual fee. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. A rewards program is included that allows you to convert your purchases into travel, gifts, and other perks.
This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.
What are the relevant APRs?
BB&T Spectrum Cash Rewards Business Visa is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.
Note that late payments are subject to an APR of 27.4% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Is an introductory APR offer available?
Yes, BB&T Spectrum Cash Rewards Business Visa offers an introductory APR rate of 0%.
What are the fees?
The following fees apply to BB&T Spectrum Cash Rewards Business Visa:
- An overlimit fee of $39.
- A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% commission. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.
Is a rewards program offered?
BB&T Spectrum Cash Rewards Business Visa offers a rewards program to its customers. The rewards program allows you to earn cash with every business purchase you make. This business card features rewards for purchases in the following categories:
- Every Purchase
- Gas
- Office Supplies
- Restaurants
Is a signup bonus offered?
BB&T Spectrum Cash Rewards Business Visa doesn't offer a cash signup bonus.
Is an annual loyalty bonus offered?
BB&T Spectrum Cash Rewards Business Visa doesn't offer a cash loyalty bonus.
What additional benefits are offered?
BB&T Spectrum Cash Rewards Business Visa provides the following benefits:
Contact
- Headquarters
-
200 West Second Street
Winston-Salem, NC 27101 USA - Visit Site
Other Services by BB&T
Feature Breakdown
| Grace Period for Late Payment (Days) | 25 |
| Minimum Interest Charge | $0 |
| Annual Fee | $0 |
| No Annual Fee | |
| Returned Payment Fee | Starting at $39 |
| Over-Limit Fee | $39 |
| Late Fee Amount | Starting at $39 |
| Cash Advance Fee ($) | Starting at $10 |
| Cash Advance Fee (%) | Starting at 4% |
| Cash Advance Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 3% |
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Other Business Credit Cards
BB&T Business Credit Cards
Annual Fee
$0
Purchase APR
12.49% - 21.49%
Balance Transfer APR
12.49% - 21.49%
Credit Score Range
N/A
Annual Fee
$49
Purchase APR
14.49% - 23.49%
Balance Transfer APR
14.49% - 23.49%
Credit Score Range
740 - 850
