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.

Coverage for travel and emergencies

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

Auto rental collision waiver

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

Purchase security

You'll get protection on new purchases within the first 90 days of buying them.D

Extended warranty

Extended warranty coverage can help you manage, use and extend any warranties you have.D

Expense tracking

Keep your personal and business finances separate.

Cash flow and improved 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 bill with your First Citizens business credit card.

Premium Rewards

Unique benefits for Premium Rewards cardholders

You're auto-enrolled in Visa Signature benefits when you open a Premium Rewards Business credit card.

Trip interruption coverage

Receive up to $5,000 per insured person for non-refundable tickets you paid for with your Premium Rewards card.D

Lost luggage reimbursement

Get reimbursed for up to $3,000 per trip per bag for any luggage that was lost, stolen or misdirected.D

Travel accident insurance

You're protected against financial hardship caused by an accident that occurred on a trip paid for with your Premium Rewards card.D

Visa concierge services

You'll get personalized information and assistance related to travel, dining and entertainment.D

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 payments are 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 benefit 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
  • Open or close an employee credit card
  • Adjust employee credit card spending limits
Learn more about our mobile app

Insights
Grow your business with credit cards

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.
Cash Management

Know these types of payment fraud

Learn the common types of payment fraud so you can know what to look out for and help keep your business secure.
Protect your business by verifying any payment requests from vendors or customers that look unusual.
Cash Management

Payment options for small businesses

What are some payment methods small businesses use for success? We cover the most common types, from credit and debit cards to contactless payments.
By selecting a payment system that works best for your business while offering customers the flexibility and convenience of multiple methods of payment, you increase the likelihood of repeat business.

Normal credit approval applies.

Purchase Security/Extended Protection, Extended Warranty Protection, Travel and Emergency Assistance Services, Auto Rental Collision Damage Waiver and Visa concierge services provided by Visa. Certain terms, conditions and exclusions apply. Premium Rewards Business Visa cardholders should refer to the Premium Rewards Visa Signature Business Credit Card Guide to Benefits (PDF) for complete details. Rewards Business Visa and Cash Rewards Business Visa cardholders should refer to the Rewards and Cash Rewards Business Visa Credit Card Guide to Benefits (PDF) for complete details. Business Visa cardholders should 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 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.

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 (PDF) 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.

NMLSR ID 503941