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.

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

Connect with one of our small business bankers to get started


Enjoy the flexibility of a cash back business credit card

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 16.49% to 25.49% variable APR based on creditworthiness; each transfer is subject to a 3% fee ($5 minimum)
Rewards Calculator

Calculate your business credit card rewards

No results found

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


People often ask us

You can apply for a Cash Rewards business credit card by visiting your local branch or by calling us at 877-532-2669.

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

Cash Rewards Business Credit Card Insights

Grow your expertise

No results found

Subject to credit approval.

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.

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 February 28, 2023, is 7.75% 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 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.

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.

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.