Business Credit Cards

The purchasing power you need to keep your business running smoothly

Save time and money while simplifying your finances and earning rewards.

Your small business is a big deal to us

That's why we take the time to truly understand every aspect of your business—including the dreams and aspirations that drive it. Wherever you see your business heading, look to BB&T for informed solutions to help you get there.

Learn more about our partnership approach

Choose the credit card that fits the way you do business

The new BB&T Bright for Business credit card

Save money with our lowest annual percentage rate (APR) credit card

  • No annual fee1
  • 0% introductory APR for 12 months on purchases2
  • Employee cards at no additional cost
  • Overdraft protection available on up to two business deposit accounts

The new BB&T Spectrum Cash Rewards for Business credit card

Earn up to 3% cash back on your business purchases3

  • No annual fee4
  • 0% introductory APR for 9 months on purchases2
  • Redeem your rewards for cash back, statement credits, gift cards, travel and more
  • Redeem your rewards into your BB&T business deposit or savings account for an additional 10% bonus
  • Employee cards at no additional cost
  • Overdraft protection available on up to two business deposit accounts

The new BB&T Spectrum Travel Rewards for Business credit card

Earn 2 miles per dollar spent on your travel purchases5

  • Annual fee waived the first year, $49 afterward6
  • 20,000 bonus miles for $2,000 spent in first 90 days ($200 value)
  • No BB&T foreign transaction fees
  • Redeem your miles for travel, cash back, statement credits, gift cards and more
  • $85 TSA Pre✓® or global entry reimbursement7
  • Employee cards at no additional cost
  • Overdraft protection available on up to two business deposit accounts

Still exploring?

If your employees do a lot of company spending with their own money, you may consider providing them with a business credit card. Employees will appreciate the convenience, and you'll enjoy the benefits.

Establishing business credit is just as important as establishing personal credit. Here are five steps you can take to build a positive credit reputation for your business.

Access to cash is critical for your business' future growth. But which type of credit is the best fit? To answer this question, it's important to understand your options and how they may help with your financial plan.

Related services

Business checking

Get the tools you need to manage your business assets.

Business savings

Choose the savings account that best fits your business, and put your money to work for you.

Merchant services

Get an efficient, secure payment solution that fits your business.

Credit Card Connection

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

2The BB&T Bright for Business credit card annual percentage rate (APR) for purchases is 0% for 12 months. After that, the APR for the BB&T Bright for Business credit card is determined monthly by adding 6.99% to 15.99% to prime rate. BB&T Spectrum Cash Rewards APR for purchases is 0% for 9 months. After that, the BB&T Spectrum Cash Rewards for Business credit card APR is determined monthly by adding 8.99%-17.99% to prime rate. Prime rate is currently 5.25% as of September 26, 2018.

3A 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).

5A 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 Travel Rewards for Business credit card, excluding cash advances, traveler's checks, access checks, balance transfers, credits and returns. Refer to BB&T Spectrum Travel Rewards for Business Program terms and conditions (PDF) (opens in a new tab).

7A member is entitled to one $85 statement credit per account every four years, in connection with either the TSA Pre✓® ($85) or Global Entry ($100) program. To qualify, a member must use the BB&T Spectrum Travel Rewards for Business credit card to pay the application fee. For complete details on the TSA Pre✓® program, go to tsa.gov. For complete details on the Global Entry program, go to globalentry.gov. The TSA Pre✓® trademark is used with the permission of the U.S. Department of Homeland Security.

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