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  BB&T Spectrum Travel Rewards Business Visa

BB&T Spectrum Travel Rewards Business Visa

in Business Credit Cards from BB&T

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BB&T Spectrum Travel Rewards Business Visa

Unaffiliated

in Business Credit Cards from BB&T

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Highlights
Highlights
Annual Fee $49
Purchase APR (Variable APR) 14.49% - 23.49%
Balance Transfer APR (Variable APR) 14.49% - 23.49%
Credit Score Range 740 - 850

Overview

Who is this credit card designed for?

BB&T Spectrum Travel Rewards Business Visa is a a charge card card issued by BB&T, which is based in Winston-Salem, NC.

BB&T Spectrum Travel Rewards Business Visa is designed for small business owners with a credit score of 740 to 850. This card charges an annual fee but the fee is waived the first year. This makes a good fit for people who are willing to pay an annual fee for a card with the right benefits but want to test it before agreeing to pay a fee. A rewards program is included that allows you to convert your purchases into travel, gifts, and other perks.

This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs?

BB&T Spectrum Travel Rewards Business Visa is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

The card has a variable balance transfer APR that ranges from 14.49% up to 23.49%.

It also has a variable cash advance APR that ranges from 26.49% up to 27.4%.

Note that late payments are subject to an APR of 27.4% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Is an introductory APR offer available?

No, BB&T Spectrum Travel Rewards Business Visa does not come with an introductory APR offer.

What are the fees?

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

  • A late payment penalty of up to $39.
  • An overlimit fee of $39.
  • There are no foreign transaction fees

Is a rewards program offered?

BB&T Spectrum Travel Rewards Business Visa offers a rewards program to its customers. This business card features rewards for purchases in the following categories:

  • Airfare
  • Car Rentals
  • Every Purchase
  • Hotels

Is a signup bonus offered?

Yes, BB&T Spectrum Travel Rewards Business Visa offers card users a signup bonus worth up to $200 after spending $2000. However, it does include a 20000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, and other perks.

Is an annual loyalty bonus offered?

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

What additional benefits are offered?

BB&T Spectrum Travel Rewards Business Visa provides the following benefits:

  • Fraud liability
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Feature Breakdown

Grace Period for Late Payment (Days) 25
Minimum Interest Charge $0
Foreign Currency Transaction Fee 0%
No Annual Fee First Year  
No Foreign Transaction Fee  
Returned Payment Fee Starting at $39
Over-Limit Fee $39
Annual Fee $49
Late Fee Amount Up to $39
Cash Advance Fee ($) Starting at $10
Cash Advance Fee (%) Starting at 4%
Cash Advance Fee Minimum $10
Minimum Age 18
Credit Score Range 740 - 850
Customer Type Business
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
Bonus Rewards Earn 20,000 bonus miles for $2,000 spent in first 90 days ($200 value) Redeem your miles for travel, cash back, statement credits, gift cards and more
All Other Purchases one mile on all other net qualified purchases
Every Purchase Earn two miles on air/hotel/car rentals
Rewards Categories
  • Airfare
  • Car Rentals
  • Every Purchase
  • Hotels
Signup Bonus $200
Signup Bonus (points) 20,000
Purchase APR (Variable APR) 14.49% - 23.49%
Cash Advance APR (Variable APR) 26.49% - 27.4%
Balance Computation Average Daily Balance
Penalty APR 27.4%
Balance Transfer APR (Variable APR) 14.49% - 23.49%

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Annual Fee $0 Annual Fee
Purchase APR 12.49% - 21.49%
(Variable APR)
    0% 30% Variable APR
Balance Transfer APR 12.49% - 21.49%
(Variable APR)
    12% 25% Variable APR
Credit Score Range N/A Credit Score Range
BB&T Spectrum Cash Rewards Business Visa
Annual Fee $0 Annual Fee
Purchase APR 14.49% - 23.49%
(Variable APR)
    0% 30% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 740 - 850     300 850