Small Business Credit Cards

Get the credit card you need to build your business

Quick, convenient and contactless

Choose from four Visa® business credit cards to help support your needs. Protect your spending with robust fraud protection, track and limit expenses, build your credit, and get great benefits like travel and emergency assistance.

Rewards Business credit card

  • Get 10,000 bonus points after you spend $3,000 in the first 90 daysD
  • Earn 3 points for every $1 spent on gas and 2 points for every $1 spent on restaurants and travelD
  • Earn 1 point per $1 spent on all other purchasesD
  • 0% introductory APRD on purchases and balance transfers for 9 months, then 15.74% to 24.74% variable APRD
  • No annual fee

Cash Rewards Business credit card

  • 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
  • Receive 1% cash back 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 credit card rewards calculator
Choose how you want to earn rewards

First Citizens offers several credit cards, but the best credit card for your business depends on how you spend money. When it comes to earning reward points, which of our credit cards will be the most rewarding for your business? Use this handy credit card rewards calculator to find out.

Compare small business credit cards

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

Premium Rewards Business credit card

Rewards Business credit card

Cash Rewards Business credit card

Low-Interest Business credit card

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 travelD

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

17.74% to 26.74% variable APRD based on creditworthiness

0% intro APR for the first 9 months following account opening, then 15.74% to 24.74% variable APRD

0% intro APR for the first 9 months following account opening, then 15.74% to 24.74% variable APRD

0% intro APR for the first 12 months following account opening, then 13.74% to 22.74% variable APRD

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
Learn more about the Premium Rewards Business credit card
Learn more about the Rewards Business credit card
Learn more about the Cash Rewards Business credit card
Learn more about the low-interest business credit card

Business Digital Banking
Manage your business on the go

Manage your accounts from anywhere

Send & transfer money with ACH and wires

Receive account and security alerts

Learn more about business digital banking

Business Digital Banking
Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking
Manage your business on the go

Send & transfer money with ACH and wires

Business Digital Banking
Manage your business on the go

Receive account and security alerts

Learn more about business digital banking

Business Credit Cards FAQ
People often ask us

Business credit cards can be used for business purposes, including travel and supply purchases. Personal credit cards can be used by individuals to pay off personal debts and build credit. Compared to personal cards, business credit cards carry higher spending limits, can be given to individual employees with spending controls and have business-specific benefits and rewards.

Business credit cards work much the same way as personal credit cards, although they generally offer a higher credit limit. A business credit card can help you keep your business and personal expenses separate to make it easier when it's time to do your taxes. As an owner, you can give business credit cards to employees and set limits that you control. Consistent on-time payments to a business credit card will allow your business to build good credit and can open the door to more financial opportunities.

To apply for a business credit card with First Citizens, visit your local branch.

The documentation you'll need to apply for a business credit card varies based on your business type and needs. Review our business account requirements to learn which documents you'll need during the account opening process.

Yes. Business credit cards are available to businesses of all sizes, including startups.

Yes. You can apply for a business credit card if you have a limited liability company, or LLC. Sole proprietorships, partnerships and self-employed business operators can also apply for a business credit card.

Yes. Using an Employer Identification Number, or EIN, can help you build business credit. In most cases, a personal guarantee will be required for approval.

All business owners with significant ownership will be part of the application process, which means their credit will be pulled. This can affect their personal credit score at the time of the application. We only report activity to your business credit report, not your personal one.

Approval for a business credit card is based on both your personal and business credit scores. If you need to build personal credit history, you can apply for a consumer secured cash back credit card.

There's no set minimum credit score because it's just one of many factors that are evaluated during the card approval process. It's important to note, though, that both personal and business credit scores of all significant business owners are pulled when you apply for a business credit card.

Yes. If you're an eligible user, you'll be able to open, close and adjust spending controls on employee credit cards. At this time, debit cards aren't eligible.

Business Credit Card Insights
Grow your expertise

Credit

Business credit cards and your financial strategy

Is a rewards or low-interest business credit card the best option for you?
A business credit card can be an effective way to manage and track your spending.
Credit

Starting a company credit card program

You'll need a clear, written policy laying out employee guidelines and procedures.
As you plan credit card limits, make sure whatever you choose fits your monthly spending budget.
Credit

Building your business credit score

Your company's credit matters more than you may think.
Your business credit score can open financial doors and help you accomplish your goals.

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.

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 October 31, 2025, is 7.00% 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.

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. 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.

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