BB&T Spectrum Cash Rewards for Business Credit Card
Best if you
- Want to earn cash back on your business purchases
- Use your card regularly to pay for gas, meals, office supplies or other business expenses
- Get 3% cash back on gas, 2% cash back at restaurants and office supply stores, and 1% cash back on all other eligible purchases1,2
- 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 (opens in a new tab) conveniently online
- Get overdraft protection on up to two business deposit accounts
- 0% introductory annual percentage rate (APR) for 9 months on purchases3
- Variable APRs currently ranging from 14.24% to 23.24%3
- No annual fee4
See our BB&T Business credit card disclosure (PDF) (opens in a new tab) for fee details.
How much cash back can I earn?
Enter your monthly spending to see why it pays to use the BB&T Spectrum Cash Rewards for Business credit card.
All fields should be US dollars rounded to the nearest dollar. The updated total is announced automatically. It can also be located under the "Results" heading.
*Monthly spending amount over $2,000 in the 3% and 2% bonus combined categories earns a flat cashback rate of 1%. 10% bonus for cash back deposited in your BB&T account. Calculations are for estimation purposes only and actual results may vary; see disclosures for more details.
Not convinced yet?
The BB&T Spectrum Cash Rewards 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)5
- Add an extra layer of security with fraud monitoring—we'll call you if we suspect suspicious activity
- Add your Spectrum Cash Rewards card to Google Pay™6, Apple Pay®7 and Samsung Pay®8 for a convenient and secure way to make your business purchases
- Use your Spectrum Cash Rewards card at chip-enabled terminals for enhanced fraud protection
Manage card activity with ease
Empower your employees with unlimited, no-cost cards and easily oversee transactions with BB&T Credit Card Connection.
- Track and manage employee cards
- Set and modify cardholder credit limits
- Access Credit Card Connection from your computer or mobile device9
- Review 18 months of transaction history
Spectrum Travel Rewards for Business credit card
Earn cash back on your travel purchases and more.
Bright for Business credit card
Save money by paying less interest with our lowest annual percentage rate (APR) credit 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 Spectrum Cash Rewards for Business credit card is right for you?