The BB&T Business Credit Card Review for 2020

Spend with one of the two BB&T business credit card to access no-fee, unsecured credit.

Keep reading to see a review of the BB&T business credit cards.

The Best Entry-Level BB&T Business Credit Card

Credit Card

BB&T Bright for Business Credit Card

Great For: It's got no annual fee and a 12-month 0% intro APR.
Apply Now
on BB&T's secure website
  • Get interest-free purchasing power for 12 months
  • No annual fee
  • Simplify your finances by separating business and personal expenses
  • Intro APR

    -

  • Regular APR

    -

  • Annual Fee

    -

  • Minimum Credit

    700+

This BB&T business credit card offers 0% APR on purchases and balance transfers for twelve months, and a competitive ongoing variable APR that will set in depending on your creditworthiness and the market Prime Rate.

So, for your first twelve months with the BB&T Visa business credit card, you’ll be able to carry an interest-free balance as long as you make your minimum monthly payments on schedule.

That said, you’ll find that this BB&T business credit card is pretty scant on rewards. You won’t be able to earn any kind of rewards for your business spending when you use the BB&T Bright for Business to do it.

However, you won’t have to pay an annual fee to access this BB&T business credit card. Plus, you won’t have to pay any extra for additional employee cards, so you won’t have to worry about equipping your team with cards attached to your BB&T Visa account.

Though you won’t see any spending rewards with this BB&T business credit card, you will gain access to notable ancillary perks.

You’ll get access to Visa Savings Edge, which offers discounts on popular vendors like MailChimp, HostGator, Chevron, Bing Ads, and more.

The Best BB&T Business Credit Card for Cash Back

Credit Card

BB&T Spectrum Cash Rewards for Business Credit Card

Great For: It's got no annual fee and great for businesses that spend a lot on gas
Apply Now
on BB&T's secure website
  • Earn 3% cash back on gas purchases
  • Earn 3% cash back on gas purchases
  • Redeem rewards into BB&T deposit or savings account for an additional 10% bonus
  • Intro APR

    -

  • Regular APR

    -

  • Annual Fee

    -

  • Minimum Credit

    700+

If you’re looking for a BB&T business credit card that will reward your spending in the form of cash back, then look to the BB&T Spectrum Cash Rewards credit card. For every dollar you spend on business purchases (as defined by BB&T) with this BB&T business credit card, you’ll earn up to 3% cash back. Plus, you’ll be able to access a 10% bonus if you deposit this cash back into a BB&T business bank account.

Not to mention, you’ll access a 0% intro APR period for your first nine months with this BB&T business credit card option.

And all of this will be available to BB&T Spectrum Cash Rewards cardholders for no annual fee at all. So, if you’re looking for flat-rate cash back that will also reward you for banking with BB&T, then this could be your best card match.

The Best BB&T Business Credit Card for Travel Rewards

Credit Card

BB&T Spectrum Travel Rewards for Business Credit Card

Great For: It covers the travel basics, such as 20K bonus miles, 2X miles and TSA Pre✓® or global entry reimbursement
Apply Now
on BB&T's secure website
  • Earn 2 miles on air/hotel/car rentals and 1 mile on everything else
  • Spend $2K in first 3 months and receive 20K bonus miles ($200 value)
  • Intro APR

    -

  • Regular APR

    -

  • Annual Fee

    -

  • Minimum Credit

    700+

Alternatively, if you want to be rewarded for your business spending in the form of travel rewards, then the BB&T business credit card for you will be the BB&T Spectrum Travel Rewards card. You’ll earn 2 miles for every dollar you spend on travel expenses with this BB&T business credit card. And if you spend $2,000 within your first 90 days with the card, you’ll earn 20,000 bonus miles, as well.

You’ll also get an $85 credit to go towards the fees that come with TSA PreCheck or global entry. For all of this value that the travel BB&T business credit card offers, you’ll have to pay a $49 annual, but that fee won’t set in until your second year with the card.

The Best BB&T Business Credit Card for Excellent Credit

Credit Card

BB&T Visa Signature Business Credit Card

Great For: It's great for businesses that want to earn points, with no limits or caps, and don't want to pay an annual fee.
Apply Now
on BB&T's secure website
  • Earn 6,500 bonus points after first purchase within 3 months
  • Earn 1X points on spend
  • 0% intro low annual percentage rate (APR) for 6 months on purchases and balance transfers
  • Intro APR

    -

  • Regular APR

    -

  • Annual Fee

    -

  • Minimum Credit

    700+

To start off your cardmembership, this BB&T business credit card offers the same six-month 0% APR period and competitive ongoing interest rate as the BB&T Visa.

But it ups the ante with 6,500 BB&T bonus points—worth around $65—if you simply make a purchase within 90 days of account opening.

That’s an easy $65 for simply using your new BB&T business credit card once—one of the easiest-to-access welcome bonuses on the market.

Even more, this BB&T business credit card will reward you for the ongoing spending you do with it. You’ll earn an even 1 point for every dollar you spend on the card.

BB&T points are worth 1 cent apiece if you redeem for gift cards, so you’ll be earning a solid $0.01 for every dollar you invest in your business with this card.

Though you’ll be able to access elevated rewards through this BB&T business credit card upgrade, you won’t have to pay a premium to be a cardmember.

With the BB&T Visa Signature, you’ll be able to access all of the perks that the BB&T Visa offers—and then some.

Namely, you’ll be able to access all the perks that come with being a Visa Signature cardmember. This long list of perks includes:

  • Lost luggage and trip delay reimbursement
  • A Global Entry statement credit
  • Priority Pass lounge access

Which is pretty much unmatchable for a no-fee business credit card.

Is a BB&T Business Credit Card Right for You?

Get a BB&T Business Credit Card if:

  • You want to access travel rewards and perks.

Skip These BB&T Business Credit Cards if:

  • You want a longer 0% intro APR period.
  • You want to access more lucrative rewards.

Frequently Asked Questions

In This Review