Last Updated: 04/18/2025
BB&T Spectrum Travel 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)
12.24% - 21.24%(Verified 06/21/2024)
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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
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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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
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Message from BB&T business credit card
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed