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The best BB&T business rewards card is the BB&T Spectrum Travel Rewards for Business Credit Card because it offers 20,000 miles for spending $2,000 in the first 90 days. BB&T Spectrum Travel Rewards for Business Credit Card also gives 2 miles / $1 spent on air travel, hotels and car rentals. The card has an annual fee of $0 intro 1st yr, $49 after.

BB&T Spectrum Travel Rewards for Business Credit Card is one of three BB&T business credit cards. Which is best for you will come down to whether you want cash back, travel rewards or a side of 0% financing. But you should have little difficulty finding one that fits.

Here are the best BB&T business rewards credit cards:

• Best for travel rewards - BB&T Spectrum Travel Rewards for Business Credit Card: Annual fee of $0 intro 1st yr, $49 after. 20,000 miles for spending $2,000 in the first 90 days. 2 miles / $1 spent on air travel, hotels and car rentals and 1 mile / $1 on all other purchases. 0% foreign transaction fee. Excellent credit required.
• Best for cash back - BB&T Spectrum Cash Rewards for Business credit card: $0 annual fee. 3% cash back on gas, 2% back at restaurants and office supply stores (up to $2,000 monthly spent in the 3% and 2% categories combined), and 1% back on all other purchases. Introductory 0% APR for 9 months on purchases. 3% foreign transaction fee. Excellent credit required.
• Best for new business financing - BB&T Bright for Business Credit Card: $0 annual fee. Introductory purchase APR of 0% for 12 months. 3% foreign transaction fee. Excellent credit required.

The best BB&T business rewards cards each offer something unique. But there are alternatives for business owners looking for longer 0% introductory APRs and more lucrative rewards.

Columbia Bank Visa® Business Card offers an introductory purchase APR of 0% for 20 months. And that's matched by an introductory balance transfer APR of 0% for 20 months, subject to a 3% (min $5) balance transfer fee. And Capital One® Spark® Cash for Business offers 2% cash back on all purchases and a $500 bonus for spending $4,500 in the first 3 months.

The best rewards a BB&T credit card has come from the BB&T Spectrum Cash Rewards Credit Card; this card gives 3% cash back on gas, 2% cash back on utilities and groceries on up to $1,000 of combined monthly spend, and 1% cash back on all other purchases. With this card, you also get 10% bonus cash when you redeem rewards into your BB&T checking or savings account.

The BB&T Spectrum Cash Rewards Credit Card also offers an intro APR of 0% for 12 months for both purchases and balance transfers. Its regular APR is 13.24% - 22.24% (V) and it has a 3% (min $10) balance transfer fee.

If you are a frequent traveler, you should opt for the BB&T Spectrum Travel Rewards Credit Card. Among other travel related perks, this card offers 2 miles per $1 spent on air, hotel and car rentals, 1 mile per $1 spent on all other purchases. It is also worth noting that miles redeemed for travel worth 75% more. Its annual fee is: $0 intro 1st yr, $89 after.

BB&T rewards can be redeemed for merchandise, gift cards, cash back, airline tickets, hotel bookings, auto rental bookings, cruises, and more. You can redeem your rewards at the BB&T rewards website.

Both the BB&T Spectrum Cash Rewards Credit Card and the BB&T Spectrum Travel Rewards Credit Card have secured versions that offer the same earning rates.

No, BB&T does not offer a student credit card. Building credit as a student is a major step toward setting up your financial future once your school days are over. At some point, you will need to buy or lease a car; rent an apartment or apply for a mortgage; and purchase insurance premiums. In addition, your eligibility for some jobs may be contingent on a solid credit report. The sooner you start establishing credit, the easier it will be to make the transition from the classroom to the working world, financially speaking.

You'll likely start out with a low credit limit, but the objective is not to go on spending sprees, but to make a reasonable amount of purchases, and pay your bill on time every month. If you do that consistently, you'll set yourself up for credit limit increases, and better still, a stellar credit history.

If you're not set on BB&T, there are plenty of excellent student credit card options from other issuers. Student cards are also fairly easy to get, and terms and features are typically superior to those on traditional cards for people with limited credit.

Here are some of the best student credit cards:

• Best for travel: Bank of America® Customized Cash Rewards Credit Card for StudentsOnline offer of $200 for spending $1,000 in the first 90 days. Earns 3% cash back in a category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 spent on these categories combined per quarter), and 1% on all other purchases. Offers an introductory purchase APR of 0% for 15 months (13.99% - 23.99% (V), based on creditworthiness, thereafter). $0 annual fee. Open to students with limited credit (less than 3 years of credit history).
• Best for cash back: Bank of America® Travel Rewards Credit Card for Students25,000 points for spending $1,000 in the first 90 days. Earns 3 points per $1 spent on purchases at the Bank of America Travel Center and 1.5 points per $1 spent on all other purchases. Offers an introductory purchase APR of 0% for 15 months (13.99% - 23.99% (V), based on creditworthiness, thereafter). $0 annual fee. Open to students with limited credit (less than 3 years of credit history).
• Best for financing: BankAmericard® Credit Card for StudentsIntroductory purchase APR of 0% for 18 months (12.99% - 22.99% (V), based on creditworthiness, thereafter). $0 annual fee. Open to students with limited credit (less than 3 years of credit history).

Don't apply for too many cards in too short a timeframe. That doesn't look good for the very credit profile you're trying to establish and each application may damage your credit score for a short period of time. If you're not approved for a student credit card, take a step back and  consider some the best secured credit cards. Most secured cards are available to people with bad credit and give them an opportunity to rebuild credit by reporting to credit bureaus, while some even offer rewards. If, on the other hand, you have good credit or better, you can set your sights on the best credit cards on the market.

Credit cards offered by BB&T are designed for people with excellent credit (i.e. a score of at least 750).

You can't get the interest rate reduced on your BB&T credit card.

Basically they calculated your interest rate based on your credit report. The only way you'd get a lower interest would be if your score is much better than what it was when you applied, and you'd have to close the account, and re-apply. It's a hassle, really.