Commercial Credit Cards

The most rewarding way to make business purchases

Quick, convenient and contactless

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

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Premium Rewards Business Visa

New! Premium Rewards

  • 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 travelD
  • Accrue 1.5 points per $1 spent on all other purchasesD
  • Enjoy the benefit of no foreign transaction fees
  • 16.99% to 25.99% variable APR on purchases and balance transfers
  • $0 introductory fee for the first year, then a $95 annual feeD

Rewards Business Visa

Rewards

  • 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 14.99% to 23.99%D variable APR
  • No annual fee

Cash Rewards Business Visa

Cash Rewards

  • Get $100 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%
  • Receive 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 14.99% to 23.99%D variable APR
  • No annual fee

Business Visa

Lowest Interest

  • 0% introductory APRD on purchases and balance transfers for the first 12 months, then 12.99% to 21.99%D variable APR
  • Build a strong credit score for your business
  • Separate your business and personal expenses
  • No annual fee
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

FAQ

People often ask us

You can get a credit card for your commercial business by calling 877-532-2669 or you can speak with a banker.

You can check your credit card balance through Business Digital Banking or 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.

Commercial Credit Card Insights

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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 September 30, 2022, is 6.25% 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.

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