Commercial Credit Cards

The most rewarding way to make business purchases

Quick, convenient and contactless commercial credit cards

Earn rewards, opt for cash and save on interest with our Visa® corporate credit cards. Choose from five unique commercial cards to manage your commercial business's needs and optimize your earnings everywhere you go.

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Premium Rewards Business Visa

  • Get 50,000 bonus points after you spend $4,500 in the first 90 daysD
  • Earn 3 points for every $1 spent on restaurants, advertising and travel
  • Accrue 1.5 points per $1 spent on all other purchasesD
  • Enjoy the benefit of no foreign transaction fees
  • 18.24% to 27.24% variable APRD on purchases and balance transfers
  • $0 introductory fee for the first year, then a $95 annual feeD

Rewards Business Visa

  • Get 10,000 bonus points after you spend $3,000 in the first 90 daysD
  • Earn 3 points for every $1 spent on gasD
  • Accrue 2 points at restaurants and on travelD and 1 point on all other purchasesD
  • Enjoy the benefit of no foreign transaction fees
  • 0% introductory APRD on purchases and balance transfers for 9 months, then 16.24% to 25.24%D variable APR
  • No annual fee

Cash Rewards Business Visa

  • Get $100 bonus cash back after you spend $3,000 in the first 90 daysD
  • Earn 5% cash back on every utility and wireless phone purchaseD for the first 12 months, then 3%
  • Earn 2% cash back on gas and office suppliesD and 1% on all other purchasesD
  • 0% introductory APRD on purchases and balance transfers for 9 months, then 16.24% to 25.24%D variable APR
  • No annual fee

Business Visa

  • 0% introductory APRD on purchases and balance transfers for the first 12 months, then 14.24% to 23.24%D variable APR
  • Build a strong credit score for your business
  • Separate your business and personal expenses
  • No annual fee

Purchasing Card

  • Streamline your business's purchasing and reconciliation process
  • Easily monitor purchases and activity through 360Control card management
  • Set and control spending limits
  • Help prevent fraud using chip card security that generates a unique code for each transaction
  • Employee fraud reimbursement through Visa Waiver Protection Program

Compare commercial cards

Still not sure? Here's a quick glance at our corporate credit cards to help you decide.

Premium Rewards Business Visa

Rewards Business Visa

Cash Rewards Business Visa

Business Visa

Special offer

50,000 bonus points after you spend $4,500 in the first 90 daysD

10,000 bonus points after you spend $3,000 in the first 90 daysD

$100 cash back after you spend $3,000 in the first 90 daysD

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What you can earn

3 points for every $1 spent on restaurants, advertising and travel

1.5 points for every $1 spent on all other purchasesD

3 points for every $1 spent on gasD

2 points for every $1 spent at restaurants and on travelD

1 point for every $1 spent on all other purchasesD

5% cash back on utilities and wireless phonesD for the first 12 months, then 3%

2% cash back on gas and office suppliesD

1% cash back spent on all other purchasesD

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Purchase and balance transfer APR

18.24% to 27.24% variable APRD based on creditworthiness

0% intro APRD for the first 9 months following account opening, then 16.24% to 25.24%D variable APR

0% intro APRD for the first 9 months following account opening, then 16.24% to 25.24%D variable APR

0% intro APRD for the first129 months following account opening, then 14.24% to 23.24%D variable APR

Annual fee

$0 for first year, then $95D

$0

$0

$0

Foreign transaction fee

None

None

3% of each transaction after conversion in US dollars

3% of each transaction after conversion in US dollars

Look. Tap. Go.
Make touch-free, contactless payments anywhere they're accepted

At checkout, check for the contactless symbol

Tap your contactless card on the terminal

Your payment will be processed in seconds

Look. Tap. Go.
Make touch-free, contactless payments anywhere they're accepted

At checkout, check for the contactless symbol

Look. Tap. Go.
Make touch-free, contactless payments anywhere they're accepted

Tap your contactless card on the terminal

Look. Tap. Go.
Make touch-free, contactless payments anywhere they're accepted

Your payment will be processed in seconds

Commercial Credit Card FAQ
People often ask us

Yes. Commercial card and corporate card are interchangeable terms for a business credit card that's used to manage employee spending on business-related expenses. These cards are tied to the company's creditworthiness and provide centralized expense management tools, which can include features such as spending limit controls, real-time transactions tracking and rewards programs. Commercial cards help streamline payments, improve expense reporting and enhance financial oversight.

Commercial cards are issued to businesses to facilitate employee spending for business-related expenses. Employees can use the cards to pay for expenses including travel, meals, supplies and other operational costs. The charges are recorded on the card account, which is then billed to the company. A company can manage the payment of these charges through an automated system or by consolidating them into a single payment.

Find a banker near you to get a credit card for your commercial business.

You can check your credit card balance through Commercial Advantage.

Credit card approval can be instant if auto-decisioned or take up to 48 hours if reviewed.

Yes. Employers can set individual spending limits for employee cards.

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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.

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

Bonus points for the Premium Rewards Business Visa will be awarded upon $4,500 in spend in the first 90 days after account opening. Bonus points for the Rewards Business Visa and cash back for the Cash Rewards Business Visa will be awarded upon $3,000 in spend in the first 90 days after account opening. Points and cash back 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.

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, 2024, is 7.50% and may vary in the future. The transaction fee for cash advances is $5 or 4% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 3% (0% for Premium Rewards) of each transaction after conversion to US dollars.

The $95 initial annual fee will be waived the first year but charged to your Premium Rewards Business Visa account every 12 months thereafter.

Subject to a balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

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

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