Low-Interest Business Credit Card

Get a 0% APR business credit card with low rates and no fees

A low-interest business credit card that's built to grow

Our low-interest business credit card helps owners manage expenses and build credit. Enjoy 0% APR for 12 months and no annual fee.DD Whether you want to apply for business credit for the first time or are transferring a balance, this card keeps costs low and helps your business grow.

First Citizens Business Visa credit card

Lowest interest rate

Get 13.49% APR after a 0% introductory period.D

No-fee business credit card

Enjoy no annual fee and employee cards at no additional cost.

Transfer a balance

Consolidate balances of business credit cards with 0% interest for 12 months.D

Connect with one of our small business bankers to get started

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Low-Interest Business Credit Card Benefits
Make the most of our low-interest business credit card

Manage business expenses with First Citizens Bank's low-rate business credit card. Consolidate payments, track employee cards and cut interest costs.

  • Purchases and balance transfers are 0% introductory APRD for the first 12 months, then a 13.49% to 22.49% variable APR based on creditworthiness; each transfer is subject to a 3% fee ($5 minimum)
  • No annual fee
  • Separate personal and business expenses
  • Get employee cards at no additional cost, with limits set by you
  • Get added benefits and security through Visa®D
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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

Low-Interest Business Credit Card FAQ
People often ask us

To apply for a low-interest business credit card, visit your local branch.

While the timing depends on factors like your creditworthiness, you can typically receive approval for a low-interest business credit card within minutes of applying.

As a business owner, having a low-interest business credit card like the Business Visa from First Citizens Bank can help you build a solid credit score as you build or grow your business. You can purchase the equipment you need with a card that has no annual fee and offers additional employee cards at no extra cost.

Yes. You can get 0% APR on a new low-interest business credit card for the first 12 months following an account opening or balance transfer. After that, your APR will vary based on your creditworthiness and the Prime Rate. You can learn more by viewing our low-interest Business Visa credit card pricing information.

Business Credit Card Insights
Grow your expertise

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.
Credit

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.
Credit

Starting a company credit card program

You'll need a clear, written policy laying out employee guidelines and procedures.
As you plan credit card limits, make sure whatever you choose fits your monthly spending budget.

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.

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, 2025, is 6.75% 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.

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.

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