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
  • 17.74% to 26.74% 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 15.74% to 24.74%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 15.74% to 24.74%D variable APR
  • No annual fee

Business Visa

  • 0% introductory APRD on purchases and balance transfers for the first 12 months, then 13.74% to 22.74%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

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 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.

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

Yes. You can issue commercial cards to employees, and you can set an individual limit based on their expected spending.

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All credit products and loans are subject to underwriting and credit approval. APR (Annual Percentage Rate) on purchase and balance transfers will vary with the market based on the Prime Rate and creditworthiness. All information contained herein is for informational and reference purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies subject to change without notice. This is not a commitment to lend. Certain terms, conditions, exclusions and limitations apply.

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.

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

Merchants are assigned a merchant category code (MCC) based on the types of goods or services they primarily sell. We group similar MCCs into categories to determine which purchases qualify for rewards. We make every effort to include all relevant MCCs in our categories. However, if a merchant's MCC is not included, even if the merchant or some of its products appear to fit the category, those purchases will not earn rewards for that category.

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

Transaction and Cash Advance Fees: Balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater. Cash advances are $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.

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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