Lowest Interest Business Credit Card

Business savvy meets interest savings

Lowest Interest Rate

Save when you carry a balance by getting our business credit card with the lowest rate.

Live Fee-Free

Say goodbye to fees with no annual fee and employee cards at no additional cost.

Transfer a Balance

Get an introductory offer if you transfer a balance from another card.

Connect with one of our small business bankers to get started


Make the most of our lowest interest rate business credit card

Smart decisions build longevity for your business. Pay monthly business expenses all in one place and get our lowest interest rate.

  • 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 VisaD
  • Balance transfers are 0% introductory APRD for the first 6 months, then a 10.74% to 19.74% variable APR based on creditworthiness; each transfer is subject to a 3% fee ($5 minimum)
  • 0% for annual fee
  • Make convenient, touch-free purchases anywhere contactless payments are accepted

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

Purchasing Card

Control business expenses

Simplify business purchases, reduce paperwork and monitor expenses with the First Citizens Visa Purchasing Card.
Business Loans

Grow your business and community

As a preferred lender, we partner with the US Small Business Administration (SBA) to provide greater financing options for your business.

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 May 31, 2022, is 4.00% and may vary in the future. The transaction fee for cash advances is $10 or 4% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 3% of each transaction after conversion to US dollars.

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 (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.