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  BB&T Spectrum Cash Rewards Business Visa

BB&T Spectrum Cash Rewards Business Visa

in Business Credit Cards from BB&T

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BB&T Spectrum Cash Rewards Business Visa

Unaffiliated

in Business Credit Cards from BB&T

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 14.49% - 23.49%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 740 - 850

BB&T Spectrum Cash Rewards Business Visa Review

Who is BB&T Spectrum Cash Rewards Business Visa designed for?

What are the relevant APRs for BB&T Spectrum Cash Rewards Business Visa?

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.

What are the BB&T Spectrum Cash Rewards Business Visa fees?

The following fees apply to BB&T Spectrum Cash Rewards Business Visa:

  • There is no annual fee.
  • An overlimit fee of $39.

Does BB&T Spectrum Cash Rewards Business Visa have a foreign transaction fee?

BB&T Spectrum Cash Rewards Business Visa 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 card at home and apply for one that doesn't charge a foreign transaction fee.
BB&T Spectrum Cash Rewards Business Visa Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%

Is there a BB&T Spectrum Cash Rewards Business Visa cash back or rewards program?

BB&T Spectrum Cash Rewards Business Visa offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This card offers rewards to businesses that use the card to make purchses in the following categories:

  • Every Purchase
  • Gas
  • Office Supplies
  • Restaurants

Does BB&T Spectrum Cash Rewards Business Visa have a signup bonus?

BB&T Spectrum Cash Rewards Business Visa doesn't offer a cash signup bonus.

Does BB&T Spectrum Cash Rewards Business Visa offer an annual loyalty bonus?

BB&T Spectrum Cash Rewards Business Visa doesn't offer a cash loyalty bonus.

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

BB&T Spectrum Cash Rewards Business Visa reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for BB&T Spectrum Cash Rewards Business Visa

  • 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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Feature Breakdown

Grace Period for Late Payment 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%
Minimum Age 18
Credit Score Range 740 - 850
Customer Type Business
Bonus Rewards Redeem your rewards for cash back, statement credits, gift cards, travel and more. Redeem your rewards into your BB&T business deposit account for an additional 10% bonus
All Other Purchases Get 3% cash back on gas, 2% cash back at restaurants and office supply stores, and 1% cash back on all other eligible purchases
Rewards Categories
  • Every Purchase
  • Gas
  • Office Supplies
  • Restaurants
Purchase APR (Variable APR) 14.49% - 23.49%
Balance Computation Average Daily Balance
Penalty APR 27.4%
Introductory Rate 0%

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Balance Transfer APR 12.49% - 21.49%
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Annual Fee $49 Annual Fee
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Credit Score Range 740 - 850     600 850