Commercial Credit Cards

The most rewarding way to make business purchases

Earn Rewards

We offer two rewards programs for business cardholders.

Opt for Cash

Choose our cash back card and earn more on certain categories.

Save on Interest

Get the lowest interest rate at First Citizens Bank.

Rewarding ways to handle your business

Cash back on business expenses

First Citizens Cash Back Business Visa® Card earns 1% cash back on standard purchases,D 2% on gas and office supplies,D and 5% on utilities and wireless phonesD (for the first 12 months, after that the rate goes down to 3%). This card also pays out a $100 bonus after you spend $3,000 in the first 90 days after opening.D

A variety of rewards

The First Citizens Rewards Business Visa® Card earns points you can use for travel, gift cards, merchandise and cash back. Earn 3 points for every $1 spent on gas,D 2 points per $1 spent on restaurants and travel,D and 1 point per $1 spent on all other purchases.D

Earn more rewards faster

The First Citizens Rewards Business Visa® Card with Accelerated EarningsD earns a flat rate of 1.5 points on every dollar spent on all other purchases.D Both rewards cards come with a 10,000 point bonus after you spend $3,000 in the first 90 days after opening.D

Get a low rate

For someone who often carries a card balance, the First Citizens Business Visa® Card comes with our lowest available interest rate. 

Remote Image Deposit

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Purchasing Card

Control business expenses

Simplify business purchases, reduce paperwork and monitor expenses with the First Citizens Visa Purchasing Card.

Normal credit approval applies.

Read the complete Business Credit Card Cardholder Agreement (PDF).

These offers are valid on new accounts only. First Citizens considers the account new if opened a credit card within the last 15 months.

Qualifying purchases are defined as gross retail purchases less any returns or credits.

Enrollment involves an annual rewards fee of $150 per company. This fee is subject to change at any time, and will be charged to your account upon enrollment. Only available to businesses with credit card lines less than $100,000.

Bonus points will be awarded upon $3,000 in spend in the first 90 days after account opening. Points will be awarded within 60 days of qualification. Limit one per company.

Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.