Credit Cards

Get the credit you need to build your business

Rewards

  • Get 10,000 bonus points after you spend $3,000 in the first 90 daysD
  • 3 points on every $1 spent on gasD
  • 2 points at restaurants and on travel,D 1 point on all other purchasesD
  • No foreign transaction fee
  • 0% intro APRD on purchases and balance transfers for 9 months, then 11.99% to 20.99% variable APR

Accelerated Earnings

  • Get 10,000 points after you spend $3,000 in the first 90 daysDD
  • Unlimited 1.5 points per $1 spent on all purchasesD
  • No earnings cap and points never expireD
  • 0% intro APRD on balance transfers for 6 months, then 11.99% to 20.99% variable APR

Cash Back

  • Get $100 cash back after you spend $3,000 in the first 90 daysD
  • 5% cash back on every utility and wireless phone purchaseD for the first 12 months, then 3%
  • 2% cash back on gas and office suppliesD
  • 0% intro APRD on purchases and balance transfers for 9 months, then 11.99% to 20.99% variable APR    

Lowest Interest

  • No annual fee
  • 0% intro APRD on balance transfers for the first 6 months, then 9.99% to 18.99% variable APR
  • Build a strong credit score for your business
  • Separate your business and personal expenses

Get in touch with us to learn more or apply for a credit card

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Purchasing Card

Control business expenses

Simplify business purchases, reduce paperwork and monitor expenses with the First Citizens Visa Purchasing Card.
Business Loans

Grow your business and community

As a preferred lender, we partner with the US Small Business Administration (SBA) to provide greater financing options for your business.

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.

Subject to credit approval. Must spend $3,000 within the first 3 months of credit card account opening to receive 7,500 bonus points. Bonus points will be awarded within 60 days of qualification. Only valid one bonus per customer. Account must be in good standing. Bonus points will be added under the description: Premier Executive Checking Bonus for new account promotion Premier Executive Checking customers are still eligible for the 2,500 bonus point offer upon upgrade and payment of the annual rewards fee; therefore cardholders have an opportunity to receive up to 10,000 in bonus points. Premier Executive Checking will be excluded from other spend promotions that may be live during the time of their eligibility for this promotion.

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 ${date-today} is 5.50% 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% of each transaction after conversion to US dollars.

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

Enrollment involves an annual rewards fee of $150 per company. This fee is subject to change at any time, and will be charged to your account upon enrollment. Only available to businesses with credit card lines less than $100,000.

Bonus points will be awarded upon $3,000 in spend in the first 90 days after account opening. Points 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.

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.