Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
12.24% - 21.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.24% - 21.24%(Verified 06/21/2024)
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Annual Fee
$49
Credit Score Range
650 - 850
BB&T Spectrum Travel Rewards Business Visa Review
If you're wondering whether BB&T Spectrum Travel Rewards Business Visa is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $200.
- Welcome offer. Offers a signup bonus of 20000 points that can be redeemed for travel, gifts, or other perks.
- APRs: BB&T Spectrum Travel Rewards Business Visa has a variable regular purchase APR that ranges from 12.24% up to 21.24%.
- $0 intro annual fee for 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.
- A 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 you have a fair credit score or better.
Pros & Cons of BB&T business credit card
| The Good | The Bad |
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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 $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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Rewards | Earn 20,000 bonus miles for $2,000 spent in first 90 days ($200 value) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| All Other Purchases | Earn two miles on air/hotel/car rentals and one mile on all other net qualified purchases | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | Starting at $200 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 20,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Rewards Type | Miles | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 - 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 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 .
However, it does include a 20000 points signup bonus 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.
Message from BB&T business credit card
Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
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Other Business Credit Cards from BB&T
Rating not yet determined
Purchase APR
10.24% - 19.24%
Disclaimer popup with additional information
Balance Transfer APR
10.24% - 19.24%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
670 - 750
300
850
Rating not yet determined
Purchase APR
12.24% - 21.24%
Disclaimer popup with additional information
Balance Transfer APR
12.24% - 21.24%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
650 - 850
300
850
SuperMoney Net Recommendation Score
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