BB&T Spectrum Cash Rewards for Business Credit Card

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Last updated on March 25th, 2021

BB&T Spectrum Cash Rewards for Business Credit Card

Earn Up to 3% Cash Back on Business Purchases

BB&T Spectrum Cash Rewards for Business Credit Card
  • Regular Purchase APR 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 9 months from account opening date
  • Processing Network Visa
Best Benefits
  • Get 3% cash back on gas, 2% cash back at restaurants and office supply stores, and 1% cash back on all other eligible purchases
  • 0% introductory annual percentage rate for 9 months on purchases
  • Redeem your rewards into your BB&T business deposit account for an additional 10% bonus; Redeem your rewards for cash back, statement credits, gift cards, travel and more
  • Get no-cost employee cards
Rates & Fees
  • Intro Purchase APR: 0% for 9 months from account opening date
  • Regular Purchase APR: 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater
  • Cash Advance APR: 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Penalty APR: Up to 25.15% variable
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $39
  • Return Payment Penalty Fee: $39
  • Over Limit Penalty Fee: $39
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Please Note: This review is in the process of being updated by the BestCards team

At a Glance

Some business credit cards offer flimsy rewards programs that are tough to get excited about; not the BB&T Spectrum Cash Rewards for Business, however. Offering bonuses of 3% on gas, 2% at restaurants and office supply stores, and 1% on other eligible purchases, it’s easy to earn more cash back with the BB&T Spectrum Cash Rewards for Business in hand.

Ideal for Those Who:

  • Want to earn cash back bonuses on gas, restaurants, office supplies, and other qualifying everyday business expenses
  • Are interested in redeeming those rewards for cash back, statement credits, gift cards, travel, and more
  • Have multiple employees who could benefit from having a company card of their own

BB&T Spectrum Cash Rewards for Business Credit Card Review

Through the use of the BB&T Spectrum Cash Rewards for Business, your company will be earning cash back bonuses faster than ever on expenses you’re all already making on a daily basis. Salespersons driving around town to meet clients can earn 3% cash back on the gas purchased to travel, 2% on the power lunches used to court their business, and another 2% on business cards for breaking the ice. If these rewards are redeemed into your BB&T business deposit account, you’ll also earn an additional 10% bonus, which is ultimately great for the company’s bottom line.

Managers concerned about employees spending more than their allotted budget can get peace of mind via the beneficial monitoring features that come with the BB&T Spectrum Cash Rewards for Business. Not only can the free additional cards for employees be monitored online, but they’ll have protection against unauthorized purchases thanks to the Visa® Zero Liability policy. Overdraft protection can also be added for up to two business deposit accounts for even more protection still.

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