Premium Rewards Business Credit Card

Unlock your earning potential

Get rewarded with a platinum business card

Your business has a lot of expenses. Make sure you're getting the most out of the purchases you make with our Premium Rewards Business credit card.

First Citizens Premium Rewards Business Visa credit card

Accrue more points

Earn 3 points on restaurants, advertising and travel—and 1.5 points on everything else—when you use your business platinum card.D

Enjoy low—and no—fees

Get a $0 introductory annual fee for the first year, and benefit from no foreign transaction fees.DD

Earn bonus points

Receive 50,000 bonus points after spending at least $4,500 in the first 90 days.D

Premium Rewards Benefits
Put the power of limitless earnings behind every purchase

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

  • 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—and 1.5 points per $1 spent on all other purchasesD
  • Enjoy the benefit of no foreign transaction fees
  • Protect your cell phoneDD when you pay your monthly bill with your First Citizens Premium Rewards Business Visa®
  • Earn rewards even faster with employee cards at no additional cost
  • $0 introductory fee for the first year, then a $95 annual fee
  • 18.24% to 27.24% variable APR for purchases and balance transfers based on creditworthiness; each transfer is subject to a 3% fee ($5 minimum)D
View Premium Rewards credit card pricing information
Read the Premium Rewards business credit card offer details

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At checkout, check for the contactless symbol

Tap your contactless card on the terminal

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Look. Tap. Go.

At checkout, check for the contactless symbol

Look. Tap. Go.

Tap your contactless card on the terminal

Look. Tap. Go.

Your payment will be processed in seconds

FAQ
People often ask us

Yes. There are no specific requirements to receive a platinum business card.

To apply for a Premium Rewards Business credit card with First Citizens, visit your local branch.

The First Citizens Premium Rewards Business credit card offers several rewards and benefits that extend year after year—including a bonus after spending 50,000 points and a minimum of 1.5 points per $1 spent, with some categories earning more.

Normal credit approval applies.

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.

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.

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

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 December 31, 2024, is 7.50% 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% (0% for Premium Rewards) 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 Premium Rewards, Rewards or Cash Rewards Business Visa credit card, subject to a maximum of three claims, per rolling 12-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.

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

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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