BB&T Spectrum Travel Rewards Business Visa
Not enough votes for recommendation
Explore a similar product
Try this top product in Business Credit Cards.
| Purchase APR (Variable APR) | 12.24% - 21.24% |
| Balance Transfer APR (Variable APR) | 12.24% - 21.24% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $49 |
BB&T Spectrum Travel Rewards Business Visa Review
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $200 if you spend $2000.
- Signup bonus. Offers a signup bonus of 20000 points after spending $2,000 that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. BB&T Spectrum Travel Rewards Business Visa has a variable purchase APR that ranges from 12.24% up to 21.24%.
- Annual fee waived the first year. BB&T Spectrum Travel Rewards Business Visa gives you the chance to have the card for a year without paying the $49 annual fee.
- 4% Balance transfer fee. BB&T Spectrum Travel 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.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of BB&T business credit card
| The Good | The Bad |
|---|---|
|
|
BB&T business credit card FAQ
Who is BB&T business credit card designed for?
What are the relevant APRs?
BB&T business credit card 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:
- An annual fee of $49.
- 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 credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
|---|---|
| Annual Fee | $49 |
| Foreign Transaction Fee | 0% |
| 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 credit card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
- Airfare
- Car Rentals
- Every Purchase
- Hotels
Does it have a sign up bonus?
Yes, it offers card users a signup bonus worth up to $200 after you spend $2000.
However, it does include a 20000 points signup bonus after you spend $2000 that can be redeemed for travel, gifts, or other perks.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
What are the benefits?
This business credit card provides the following benefits:
- Fraud Liability
- Reports to major credit bureaus
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 Travel Rewards Business Visa report your account activity to credit bureaus?
Yes, BB&T Spectrum Travel 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 credit card
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
| Annual Fee | $49 |
| Cash Advance Fee (%) | Starting at 4% |
| Cash Advance Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 0% |
| Late Fee Amount | Up to $39 |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Minimum Interest Charge | $0 |
| No Annual Fee First Year | |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Over-Limit Fee | $39 |
| Returned Payment Fee | $39 |
Be the first to rate
Would you recommend BB&T Spectrum Travel Rewards Business Visa to your friends?
Other Business Credit Cards
BB&T Business Credit Cards
- American Express® The Business Platinum Card®
- Barclays Bank Wyndham EarnerSM Credit Card
- Cadence Bank Mastercard® Business Card
- Capital One® Spark® Cash for Business
- City National Bank Standard Card
- F&M Bank Smart Business Rewards Card
- Landmark Credit Union Business Rewards Visa Card
- MIT FCU Smart Business Rewards Signature Card
- Nutmeg State Financial CU Business Credit Card
- People's Bank of Commerce Business MasterCard
- Shell Small Business Card
- Spark 1.5% Cash Select Excellent Credit
