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Being a teen is hard enough. Help us support Teen Cancer America to improve their quality of care.
We're committed to serving companies as they expand and succeed. The proof is in our success stories.
May Q&A: Available now
This month, the Making Sense team answers client questions related to trade policy developments and their impacts on key economic issues.
Earn rewards, opt for cash and save on interest with our Visa® credit cards. Choose from five unique credit cards to manage your commercial business's needs and optimize your earnings everywhere you go.
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At checkout, check for the contactless symbol
Tap your contactless card on the terminal
Your payment will be processed in seconds
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.
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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