BB&T Spectrum Travel Rewards Business Visa
in Business Credit Cards from BB&T
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| 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
Contact
- Headquarters
-
200 West Second Street
Winston-Salem, NC 27101 USA - Visit Site
Other Services by BB&T
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 |
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Other Business Credit Cards
BB&T Business Credit Cards
Annual Fee
$0
Purchase APR
12.49% - 21.49%
Balance Transfer APR
12.49% - 21.49%
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
14.49% - 23.49%
Balance Transfer APR
N/A
Credit Score Range
740 - 850
