Accelerated Earnings

Unlock your earning potential

1.5 Points Per Dollar

Earn an unlimited 1.5 points per dollar spent on everyday purchases.D

Give Yourself a Bonus

Get 10,000 bonus points when you spend $3,000 in the first 90 days.D

Rewards Without Limits

There's no earnings cap and points never expire.

Benefits

Put the power of unlimited earnings behind every purchase

Earn more points per purchase on everyday business expenses that you can redeem for travel, cash back, gift cards and merchandise.

  • Unlimited 1.5 points for every $1 spent on all purchasesD
  • Protect your cell phoneDD when you pay your monthly cell phone bill with your First Citizens Business Visa® card
  • Use rewards as statement credits for purchases with our exclusive Pay Me BackD redemption option
  • Earn rewards even faster with employee cards at no additional cost
Card Details

Card Details and Transaction Fees

Purchase rate

Variable 11.99% to 20.99% APRD based on creditworthiness.

Balance transfers

0% introductory APRD for the first 6 months, then a 11.99% to 20.99% variable APR (based on creditworthiness), each transfer is subject to a 3% fee ($5 minimum)

Cash advances

Variable 22.99% APRD, each transaction is subject to a 4% fee ($5 minimum)

Annual rewards program fee

$150 per companyD

Foreign transaction fee

3% of each transaction in US dollars

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.

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.

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 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.

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

Pay Me Back redemptions must be made within 60 days of original qualifying purchases of $100 or greater. Some exclusions apply to certain categories of transactions. No statement credit card will be applied against any monthly minimum payment due.

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.

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.

Cell Phone Protection is subject to a $100 deductible and maximum benefit limit of $600 per occurrence. Protection covers cell phones billed to your First Citizens Business Rewards or Cash Back Visa® Credit Card, subject to a maximum of three claims, per rolling twelve-month period. This benefit does not cover cell phones that are lost. Please read the Business Visa Credit Card Guide to Benefits: Cell Phone Protection (PDF) for complete details.

Cellular Telephone Protection, Purchase Security/Extended Protection, Extended Warranty Protection, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver provided by Visa. Certain terms, conditions and exclusions apply. Please refer to the Business Visa Credit Card Guide to Benefits: Cell Phone Protection and Rewards (PDF) for complete details.

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.