Frequently Asked Questions

Business Credit Cards

You have the option of receiving every cardholder's charges on one statement (consolidated), or each cardholder can receive and pay his or her own statement (individual). In addition to your monthly statement, you have the option to receive quarterly categorized expense reports.
The purchase APR varies based on the type of business card you select:

First Citizens Rewards Business Visa® Card: Prime Rate + 9.74%
First Citizens Business Visa® Card: Prime Rate + 6.74%

APR (Annual Percentage Rate) — The Prime Rate used to determine your APR is the Prime Rate as published in The Wall Street Journal on the last business day of the preceding calendar month. The current Prime Rate as of December 31, 2018 is 5.50% and may vary in the future.
There are no interest charges on purchases if you pay your balance within 25 days.
Yes. At account opening we offer 0% for the first 6 months on balance transfers, then your balance reverts to the purchase rate assigned to your card.
Yes. You can visit, Opens in a new tab at any time to learn about the different program options. You can also browse through the many rewards categories we offer including cash back, digital rewards, gift cards, merchandise and more.
Contact the First Citizens Rewards® Center at 1.866.645.1694. Customer Service Representatives are available 7 days a week between the hours of 7:00 a.m. and 11:00 p.m. Eastern time. You may also access your account at, Opens in a new tab.
Our First Citizens Visa Credit Cards are now chip-enabled, providing enhanced security and global acceptance. Visit for more information.

Additional Information

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