Commercial Credit Cards

The most rewarding way to make business purchases

Earn rewards, opt for cash and save on interest with our commercial credit cards.

Cash Back Business Visa®

Cash back on business expenses

  • 5% cash back on utilities and wireless phonesD (for the first 12 months, after that the rate goes down to 3%)
  • 2% cash back on gas and office suppliesD
  • 1% cash back on standard purchasesD
  • Pays out a $100 bonus after you spend $3,000 in the first 90 days after openingD

Rewards Business Visa®

A variety of rewards

  • Earn 3 points for every $1 spent on gasD
  • Earn 2 points per $1 spent on restaurants and travelD
  • Earn 1 point per $1 spent on all other purchasesD
  • Comes with a 10,000 point bonus after you spend $3,000 in the first 90 days after openingD

Rewards Business Visa® with Accelerated Earnings

Earn more rewards faster

  • Unlimited 1.5 points per dollar spent on all purchasesD
  • Comes with a 10,000 point bonus after you spend $3,000 in the first 90 days after openingD
  • No earnings cap and points never expireD

Business Visa®

Get a low rate

  • No annual fee
  • Separate your business and personal expenses
  • Build a strong credit score with our lowest available interest rate

Connect with a banker to get started

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.