Cash Rewards Business Credit Card

You deserve to earn cash rewards every day

Spend more to earn more with Cash Rewards

Get money back on everyday purchases with our Cash Rewards cash back business credit card. Earn rewards as you pay for gas, restaurants, utilities, phone service, office supplies, travel and more.

First Citizens Cash Rewards Business Visa credit card

Up to 5% cash back

Earn up to 5% cash back on utilities and wireless phone service.D

2% cash back

Earn 2% cash back on gas and office supplies.D

Give yourself a bonus

Get $100 cash back when you spend $3,000 in the first 90 days.D

Cash Rewards Business Credit Card Benefits
Enjoy the flexibility of business credit card cash rewards

Earn cash back on everyday business expenses and get rewarded for doing business.

  • 5% cash back on every utility and wireless phone serviceD purchaseD for the first 12 months, then 3%
  • 2% cash back on every gas and office suppliesD purchase,D and 1% cash back on all other purchases
  • Protect your cell phoneDD when you pay your monthly cell phone bill with your First Citizens Business Visa® card
  • No annual fee
  • Earn cash even faster with employee cards at no additional cost
  • 0% introductory APRD for purchases and balance transfers for the first 9 months, then a 15.74% to 24.74% variable APR based on creditworthiness; each transfer is subject to a 3% fee ($5 minimum)
View cash rewards pricing information
Read the Cash Rewards Program Rules

Business rewards credit card calculator
Choose the card that makes sense for your business

Use this calculator to compare our business rewards credit cards and determine which one provides the most rewards to you.

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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

Cash Rewards Business Credit Card FAQ
People often ask us

To apply for a Cash Rewards Business credit card, visit your local branch.

No. If you use your card to make purchases, rewards and cash back earned on those business credit card purchases aren't taxable because they aren't considered income.

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Building your business credit score

Your company's credit matters more than you may think.
Your business credit score can open financial doors and help you accomplish your goals.

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.

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

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.

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 October 31, 2025, is 7.00% 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.

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.

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.

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

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