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Last updated on November 2nd, 2021
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At a Glance
Featuring no annual fee and 0% interest for 12 months, the BB&T Bright for Business Credit Card is a versatile business credit card and a key component in helping companies to keep their spending in check.
Ideal for Those Who:
- Do not want to pay interest for 12 months or an annual fee, ever
- Want the ability to monitor and manage the spending habits of your employees
- Enjoy saving cash with a low APR following your intro period
BB&T Bright for Business Credit Card Review
The margin of error for growing businesses is often razor-thin, and any unexpected expenditures can have a rippling effect on all departments in the operation. Not only is there no annual fee to worry about with the BB&T Bright for Business Credit Card, but all the purchases that you and your employees make are also interest-free for the first year. Even after the initial 12-month period with the card, its low annual percentage rate makes it a favorite for anyone responsible for watching the bottom line.
The 12 months of intro APR on purchases is great news for companies that plan to issue multiple employee cards. It’s even better news for companies that plan to invest in infrastructure or technology – and want to finance that cost over the next 12 months interest free. This option is especially appealing given the highly-competitive everyday APR the card offers once that year of zero interest ends. The rates with the Bright are exceptional for companies with excellent credit – almost four percentage points below the national average for a small business credit card.
Speaking of budgetary concerns, managing the activity on your BB&T Bright for Business Credit Cards is a snap thanks to online monitoring via BB&T Credit Card Connection. Extra employee cards can be obtained for the account at no cost, and overdraft protection on up to two business deposit accounts is available as well. Should an unauthorized purchase be made using your BB&T Bright for Business Credit Card, the Visa® Zero Liability policy has you covered.
Should You Apply for the BB&T Bright for Business Credit Card?
Overall, the BB&T Bright for Business Credit Card is an enticing opportunity for small businesses that want a great APR on purchases, and impressive introductory APR on top of that, and little else. It might not offer travel points or cash back rewards, but the great rates more than make up for that.