Business Credit Card Benefits

Convenient payments and protection for your business

Credit card benefits

Benefits for all business credit cardholders

When you open a First Citizens Visa® credit card account for your business, you're auto-enrolled in great benefits to provide added convenience and protection.

Travel and emergency assistance

Travel and Emergency Assistance is available for covered First Citizens credit cardholders from anywhere in the world.D

Auto rental collision damage waiver

Rent a car with your covered First Citizens credit card and get built-in Auto Rental Coverage.D

Purchase security

Protects new purchases within the first 90 days of purchase.D

Extended warranty

Helps you manage, use and extend warranties.D

Expense tracking

Keep your personal and business finances separate.

Keep cash flowing and build credit

Help your business grow with added working capital.

Spending limit management

Get employee credit cards with spending limits you set at no additional cost.

Cell phone protection

Protect your cell phoneD when you pay your monthly cell phone bill with your First Citizens Rewards Business or Cash Rewards credit card.

Convenient ways to pay

From contactless payments to digital wallets, you have more ways than ever to quickly, conveniently pay for your purchases.

Contactless payments

Just tap and pay for business on the go

Your credit card has contactless payment technology, which means you can tap to pay for purchases anywhere contactless is supported.

  • It's safe: Contactless helps keep your hands cleaner than exchanging cash or touching the terminal.
  • It's fast: Tapping your card to pay takes only a few seconds, making it quicker than swiping or inserting.
  • It's secure: Contactless payments use the same security as chip cards, generating a unique code for each transaction to help prevent fraud.

Look. Tap. Go.

At checkout, check for the contactless symbol

Tap your contactless card on the terminal

Your payment will be processed in seconds

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

Digital Wallet

A simple way to pay to go cashless

Your smartphone's Digital Wallet is a fast and secure way to pay—and it works seamlessly with First Citizens Visa business credit cards.

Fraud protection

Along with your credit card benefits, First Citizens offers robust fraud protection services to help keep your cards and information safe.

Visa Zero Liability Policy

Protect your account from unauthorized transactions

The Visa Zero Liability PolicyD is a guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit card is lost, stolen or fraudulently used, online or offline.

Card Alerts

Set card alerts within Digital Banking

Businesses that use Digital Banking gain the added benefits of card alerts.

  • Get alerts for credit card transactions
  • Find out when your account number was used without a card present
  • Get payment due date reminders and balance alerts
Card Security Management

Access card security services from your phone

  • Temporarily lock your credit card
  • Report a lost or stolen credit card
  • Notify us if you're traveling
  • Order a replacement
  • Manage additional users
Learn more about our mobile app
Insights

Grow your business with credit cards

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Normal credit approval applies.

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 (PDF) for complete details.

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.

Visa's Zero Liability Policy does not apply to certain commercial card transactions or transactions not processed by Visa. First Citizens credit cards automatically protect you from liability for unauthorized transactions when you report them promptly. Please consult our Deposit Account Agreement for information on unauthorized transactions.

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.