BB&T Spectrum Cash Rewards
for Business Credit Card

Apply in Person

With the BB&T Spectrum Cash Rewards for Business credit card, you'll enjoy the following perks:

  • Earn up to 3% cash back on your business purchases1, 3
  • Get interest free purchasing power for 9 months2
  • Redeem rewards into BB&T deposit or savings account for an additional 10% bonus
  • Get 3% cash back on gas, 2% cash back at restaurants and office supply stores, and 1% cash back on all other eligible purchases1, 3
  • Redeem your rewards for cash back, statement credits, gift cards, travel and more
  • Redeem your rewards into your BB&T business deposit account for an additional 10% bonus
  • Get no-cost employee cards
  • Manage, view and redeem your cash back rewards conveniently online
  • Get overdraft protection on up to two business deposit accounts
  • 0% introductory annual percentage rate (APR) for 9 months on purchases2
  • Variable APRs currently ranging from 13.99% to 22.99%2
  • No annual fee4

See our BB&T Spectrum Cash Rewards for Business credit card disclosure (PDF) for fee details.

  • Guard against unauthorized credit card use with the Visa's® Zero Liability Policy5
  • Add an extra layer of security with fraud monitoring—we'll call you if we suspect suspicious activity
  • Add your Spectrum Cash Rewards for Business card to Google Pay6, Apple Pay®7 and Samsung Pay®8 for a convenient and secure way to make your business purchases
  • Use your Spectrum Cash Rewards for Business card at chip-enabled terminals for enhanced fraud protection

Empower your employees with no-cost cards and easily oversee transactions with BB&T Credit Card Connection.

  • Track and manage employee card purchases
  • Set and modify cardholder credit limits
  • Access Credit Card Connection from your computer or mobile device9
  • Review 18 months of transaction history

Open an Account

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Get Assistance

By Phone

For questions on an existing business card account, call us at 800-397-1253.