BB&T Spectrum Cash Rewards Business Visa
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| Purchase APR (Variable APR) | 12.24% - 21.24% |
| Balance Transfer APR (Variable APR) | 12.24% - 21.24% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
BB&T Spectrum Cash Rewards Business Visa Review
Key Takeaways
- Business credit card with generous reward rate. You can get a maximum cashback rewards rate of up to 3x.
- 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 eligible 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.
Pros & Cons of BB&T business Spectrum Cash Rewards
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BB&T business Spectrum Cash Rewards FAQ
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 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.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 4% |
| Minimum Balance Transfer Fee | $10 |
| Returned Payment Fee | $39 |
| Late Payment Fee | up to $39 |
Does it offer a cash back or rewards program?
Yes, BB&T business Spectrum Cash Rewards offers a rewards program to its customers. The rewards program allows you to earn 1% 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
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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.
Message From BB&T business Spectrum Cash Rewards
Contact
- Headquarters
-
110 S. Stratford Rd.
Winston Salem, NC 27104 USA - (336) 733-3300
- Visit Site
- Email Support
Other Services by BB&T
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 9 months |
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