BB&T Spectrum Cash Rewards for Business Credit Card

Get up to 3% cash back on your business purchases

Dollars spent become dollars earned on every business purchase.

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.

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

Ready to get started?

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Related services

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?

1A net qualified purchase means any signature-based purchase, Internet purchase, phone or mail-order purchase or automatic bill payment made with a BB&T Spectrum Cash Rewards for Business credit card, excluding cash advances, traveler's checks, access checks, balance transfers, credits and returns. Refer to BB&T Spectrum Cash Rewards for Business Program terms and conditions (PDF) (opens in a new tab).

2There is a monthly cap (first day of a month through the last day of a month) of $2,000 on spend at the bonus rate combination of 3% at gas stations and 2% at office supply stores and restaurants. Once the $2,000 monthly spend limit is reached, you will earn the base Rewards of 1% for those purchases. Refer to BB&T Spectrum Cash Rewards for Business Program terms and conditions (PDF) (opens in a new tab).

3The BB&T Spectrum Cash Rewards business credit card annual percentage rate (APR) for purchases is 0% for 9 months. After that, the APR is determined monthly by adding 8.99% to 17.99% to prime rate. The prime rate is currently 5.25%, as of September 26, 2018.

5Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. See Visa Signature Business Guide to Benefits (PDF) (opens in a new tab) for further details.

6Google and Google Pay are trademarks of Google, Inc.

7Apple, 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.

8Samsung Pay and the Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.

9Fees 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.

The information provided is not intended to be legal, tax, or financial advice. BB&T cannot guarantee that it is accurate, up to date, or appropriate for your situation. Financial calculators are provided to assist you in estimating the approximate costs associated with any bank activity. Your actual costs may vary. You should consult with a qualified attorney or financial advisor to understand how the law applies to your particular circumstances or for financial information specific to your personal or business situation.

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