BB&T Spectrum Cash Rewards Business Visa Review

• Business credit card with generous reward rate. You will get a cashback rewards rate of up to 3%.
• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 9 months , which is shorter than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 9 months.
• Competitive APRs. BB&T Spectrum Cash Rewards Business Visa has a variable purchase APR that ranges from 12.24% up to 21.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
• 4% Balance transfer fee. BB&T Spectrum Cash Rewards 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 9 months. 0% APR on new purchases during the first 9 months. No annual fee. Cardholders can earn rewards on purchases everywhere BB&T Spectrum Cash Rewards Business Visa is accepted. BB&T Spectrum Cash Rewards Business Visa reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Charges a 4% balance transfer fee. Does not include many credit card benefits.

Who is BB&T business Spectrum Cash Rewards designed for?

What are the relevant APRs?

BB&T business Spectrum Cash Rewards 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.
• A returned payment fee of up to $39.
• An overlimit fee of $39.

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

• Every Purchase
• Gas stations
• Office Supply Stores
• Restaurants

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

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 ClientResolution@Truist.com.

Does BB&T Spectrum Cash Rewards Business Visa report your account activity to credit bureaus?

Yes, BB&T Spectrum Cash Rewards 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.