We consider the B-ball cosmology of the minimal supersymmetric standard model in the context of D-term inflation models where the reheating temperature is determined by the Affleck-Dine mechanism to be of the order of 1 GeV. We show that such a low reheating temperature can arise quite naturally as the result of a symmetry which is required to maintain the flatness of the inflaton potential. In this case the B-balls will decay well after the freeze-out temperature of the lightest supersymmetric particle, allowing baryons and cold dark matter to originate primarily from B-ball decays. [S0031-9007(98)07324-4].