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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

BB&T Spectrum Travel Rewards Business Visa Review

Who is BB&T Spectrum Travel Rewards Business Visa designed for?

What are the relevant APRs for BB&T Spectrum Travel Rewards Business Visa?

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.

What are the BB&T Spectrum Travel Rewards Business Visa fees?

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

  • An annual fee of $49.
  • A late payment penalty of up to $39.
  • An overlimit fee of $39.

Does BB&T Spectrum Travel Rewards Business Visa have a foreign transaction fee?

BB&T Spectrum Travel Rewards Business Visa 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.

BB&T Spectrum Travel Rewards Business Visa Fees
Fees Amount
Annual Fee $49
Foreign Transaction Fee 0%
Late Payment Fee up to $39

Is there a BB&T Spectrum Travel Rewards Business Visa cash back or rewards program?

BB&T Spectrum Travel Rewards Business Visa offers a rewards program to its customers. This card offers rewards to businesses that use the card to make purchses in the following categories:

  • Airfare
  • Car Rentals
  • Every Purchase
  • Hotels

Does BB&T Spectrum Travel Rewards Business Visa have a signup bonus?

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, or other perks.

Does BB&T Spectrum Travel Rewards Business Visa offer an annual loyalty bonus?

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

What are the BB&T Spectrum Travel Rewards Business Visa benefits?

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

  • Fraud Liability
  • Reports to major credit bureaus

Does BB&T Spectrum Travel Rewards Business Visa report your account activity to credit bureaus?

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 can help improve your credit score.

How to apply for BB&T Spectrum Travel 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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Feature Breakdown

No Interest Grace Period for Late Payment 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
Rewards Categories
  • Airfare
  • Car Rentals
  • Every Purchase
  • Hotels
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
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% 27% 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     600 850