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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

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in Business Credit Cards from BB&T

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Highlights
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

BB&T Spectrum Cash Rewards Business Visa FAQ

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.
  • A late payment penalty of up to $39.
  • A returned payment fee of up to $39.
  • 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%
Balance Transfer Fee 4%
Minimum Balance Transfer Fee $10
Returned Payment Fee $39
Late Payment Fee up to $39

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?

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 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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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.

Feature Breakdown

Every Purchase (Points) 1% cash back on all other eligible purchases
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 9 months
Annual Fee $0
Minimum Interest Charge $0
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 4%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 3%
Late Fee Amount Up to $39
Minimum Cash Advance Fee ($) $10
Over-Limit Fee $39
Returned Payment Fee $39
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
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
Bonus Rewards Redeem your rewards into your BB&T business deposit account for an additional 10% bonus
Rewards Rates
  • Gas
  • Office Supplies
  • Restaurants
  • Every Purchase
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) 12.24% - 21.24%
Balance Transfer Fee % 4
Balance Transfer Fee % After Intro Period Starting at 4
Balance Transfer Fee Minimum 10
Balance Transfer Intro APR Period (Variable APR) 9 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 12.24% - 21.24%
Card Network Visa
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Gas
  • Bonus Offers
  • Charge Card

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