Rewards Business Credit Card

Earn more points with a business rewards credit card

Improve your business purchasing capabilities

When you open a Rewards Business credit card account, you're auto-enrolled in travel assistance, expense tracking, purchase security, fraud protection and more convenient benefits—all while earning redeemable point rewards on purchases.D

First Citizens Rewards Business Visa credit card

Earn 3 points on gas

You'll earn 3 points for every $1 you spend on gas.D

Give yourself a bonus

Get 10,000 bonus points when you spend $3,000 in the first 90 days.D

No foreign transaction fee

Enjoy the benefit of no transaction fees when you make purchases abroad.

Get started with a Rewards Business credit card

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Rewards Business Credit Card Benefits
Make business purchases count

Earn point rewards on everyday business credit card purchases that you can redeem for travel, cash back, gift cards and merchandise.

  • Earn 3 points for every $1 spent on gasD
  • Get 2 points for every $1 spent at restaurants and on travelD
  • Redeem 1 point for every $1 spent on all other purchasesD
  • Protect your cell phoneDD when you pay your monthly cell phone bill with your First Citizens Business Visa® card
  • Earn points faster with employee cards
  • Use rewards as statement credits for purchases with our exclusive Pay Me BackD redemption option
  • 0% introductory APRD for purchases and balance transfers for the first 9 months, then a 15.49% to 24.49% variable APR based on creditworthiness; each transfer is subject to a 3% fee ($5 minimum)
View rewards credit card pricing information
Read our rewards program terms

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

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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

Rewards Business Credit Card FAQ
People often ask us

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

Yes. It's legal to use business credit card rewards for personal use. But whether you can depends on your card's terms and conditions and your company's policies. You also may not want to for various reasons, including liability and consumer protections. Consulting with a tax advisor may help your business decide how rewards should be used.

Business credit card rewards generally aren't taxable, but there are a few exceptions. If you receive cash as a reward—for opening an account or referring a friend, for example—that income is taxable. Cash rewards earned through purchases are seen as rebates, and the IRS doesn't consider that money taxable.

Business Credit Card Insights
Financial insights for your business

Credit

How will inflation impact your small business?

If you're concerned about how inflation impacts your business's credit and financing, it's important to first understand how they're connected.
As prices climb, you might have to borrow more to outbid your competitors for needed equipment or materials.
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

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.

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.

Cash and cash-like transactions, including, but not limited to, cash advances, ATM withdrawals, balance transfers, convenience checks, unauthorized charges, betting track or casino transactions, lottery tickets, money orders, money travelers' checks from nonfinancial institutions, foreign currency cash purchases, bail bonds, debit cancellation charges, and fees of any kind are excluded from earning reward dollars. Reward dollars earned for refused charges will be reversed. There is no cap on the amount of reward dollars that can be earned. All reward dollars earned, redeemed and expired will be determined based on a first-in, first-out ("FIFO") accounting convention.

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.

Pay Me Back redemptions must be made within 60 days of original qualifying purchases of $100 or greater. Some exclusions apply to certain categories of transactions. No statement credit card will be applied against any monthly minimum payment due.

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.

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.

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.

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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