BB&T Bright for Business Credit Card

Get interest-free purchasing power for 12 months1

Save money by paying less interest with our lowest annual percentage rate (APR) credit card.

Best if you

  • Want a no-annual-fee card with a low APR
  • Would like to simplify your finances by separating business and personal expenses


  • Enjoy interest-free purchasing power for 12 months
  • Get no-cost employee cards
  • Manage your card activity easily through BB&T Credit Card Connection
  • Get overdraft protection on up to two business deposit accounts


  • 0% introductory APR for 12 months on purchases1
  • Variable APRs ranging from 12.49% to 21.49% afterwards1
  • No annual fee2

See our BB&T Business credit card disclosure (PDF) (opens in a new tab) for fee details.

The BB&T Bright® for Business credit card includes a number of extras plus convenient access options.

Enjoy added security

  • Guard against unauthorized credit card use with the Visa® Zero Liability policy (opens in a new tab)3
  • Add an extra layer of security with fraud monitoring—we'll call you if we suspect suspicious activity
  • Add your Bright for Business card to Google Pay™4, Apple Pay®5 and Samsung Pay®6 for a convenient and secure way to make your business purchases
  • Use your Bright for Business card at chip-enabled terminals for enhanced fraud protection

Manage card activity with ease

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 device7
  • Review 18 months of transaction history

Ready to get started?

In person

Locate a branch.

By phone

Questions about your existing credit card account?


Related services

Spectrum Travel Rewards for Business credit card

Earn cash back on your travel purchases and more.

Spectrum Cash Rewards for Business credit card

Dollars spent become dollars earned with this no-annual-fee card.

Credit Card Connection

Get 24/7 access to your company's credit card information from your desktop or mobile device.

Not convinced that a BB&T Bright for Business credit card is right for you?

1The BB&T Bright for Business credit card annual percentage rate (APR) for purchases is 0% for 12 months. After that, the APR is determined monthly by adding 6.99% to 15.99% to prime rate. Prime rate is currently 5.50% as of December 20, 2018.

3Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. See Visa Guide to Benefits (PDF) for further details.

4Google and Google Pay are trademarks of Google, Inc.

5Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc.

6Samsung Pay and the Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.

7Fees from your mobile or data carrier may apply. A monthly service fee applies if you choose to access your online banking financial data through QuickBooks® or Quicken® Direct Connect.

Business credit cards are subject to business type and credit approval.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. Equal Housing Lender icon