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Being a teen is hard enough. Help us support Teen Cancer America to improve their quality of care.
We're committed to serving companies as they expand and succeed. The proof is in our success stories.
May Q&A: Available now
This month, the Making Sense team answers client questions related to trade policy developments and their impacts on key economic issues.
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
Earn cash back on everyday business expenses and get rewarded for doing business.
Use this calculator to compare our business rewards credit cards and determine which one provides the most rewards to you.
At checkout, check for the contactless symbol
Tap your contactless card on the terminal
Your payment will be processed in seconds
At checkout, check for the contactless symbol
Tap your contactless card on the terminal
Your payment will be processed in seconds
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.
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.
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.
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.
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Customers with account-related questions who aren't enrolled in Digital Banking or who would prefer to talk with someone can call us directly.