Last Updated: 04/18/2025
BB&T Spectrum Cash Rewards Business Visa
Unaffiliated
in Business Credit Cards from BB&T
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Annual Fee
Credit Score Range
BB&T Spectrum Cash Rewards Business Visa Review
Key Takeaways
- Business credit card with generous reward rate. You can get a rewards rate of up to 3x.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 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 9 months.
- APRs: BB&T Spectrum Cash Rewards Business Visa has a variable regular 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.
- A 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 up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of BB&T business Spectrum Cash Rewards
| The Good | The Bad |
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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?
- There is no annual fee.
- A late payment penalty of up to $39 .
- A returned payment fee of $39.
Does it 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 |
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| Rewards Type | Cash Back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 - 3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
- Gas stations
- Office Supply Stores
- Restaurants
Does it have a sign up bonus?
Does it offer an annual loyalty bonus?
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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.
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Other Business Credit Cards from BB&T
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
300
850
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
300
850
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