Credit Cards

Earn cash back and premium rewards while you build your business.

Account Type First Citizens Cash Back Business Visa® First Citizens Rewards Business Visa First Citizens Rewards Business Visa with Accelerated Earnings First Citizens Business Visa
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Best If You Want Unlimited cash back Points on everyday purchases More points and unlimited earnings A steady, low rate
Bonus Offer1 $100 cash back after you spend $3,000 in the first 90 days1 10,000 points after you spend $3,000 in the first 90 days1 10,000 bonus points after you spend $3,000 in the first 90 days1 Not Available
Earn Rewards
  • 5% cash back on utilities and wireless phones2 for the first 12 months, then 3%
  • 2% cash back on gas and office supplies2
  • 1% cash back spent on all other purchases3
  • 3 points for every $1 spent on gas2
  • 2 points for every $1 spent at restaurants and on travel2
  • 1 point for every $1 spent on all other purchases3
  • 1.5 points for every $1 spent on purchases3
Not Available
APR on Purchases3 based on your creditworthiness 0% intro APR4 for the first 9 months, then 11.99% - 20.99% variable APR 0% intro APR4 for the first 9 months, then 11.99% - 20.99% variable APR 11.99% - 20.99% variable APR 9.99% - 18.99% variable APR
Balance Transfers3 0% intro APR4 for first 9 months, then 11.99% - 20.99% variable APR 0% intro APR4 for first 9 months, then 11.99% - 20.99% variable APR 0% intro APR4 for first 6 months, then 11.99% - 20.99% variable APR 0% intro APR4 for first 6 months, then 9.99% - 18.99% variable APR
Annual Rewards Membership Fee $0 $0 $1505 Not Available
Foreign Transaction Fee 3% None 3% 3%