Rewards Business Credit Card

Earn more point rewards from your business

3 Points on Gas

You'll earn 3 points for every $1 spent 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

Get our only card that lets you make transactions abroad with no fee.

Connect with one of our small business bankers to get started


Make business purchases count

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

  • Earn 3 points for every $1 spent on gasD
  • Earn 2 points for every $1 spent at restaurants and on travelD
  • Earn 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
  • Make convenient, touch-free purchases anywhere contactless payments are accepted
Card Details

Card Details and Transaction Fees

Purchase rate

0% introductory APRD for the first 9 months, then a variable 11.99% to 20.99% APRD based on creditworthiness

Balance transfers

0% introductory APRD for the first 9 months, then a 11.99% to 20.99% variable APR based on creditworthiness, each transfer is subject to a 3% fee ($5 minimum)

Annual rewards program fee


Foreign transaction fee


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.

Qualifying purchases are defined as gross retail purchases less any returns or credits.

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 March 31, 2020, is 3.25% 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% 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 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.

Bonus points will be awarded upon $3,000 in spend in the first 90 days after account opening. Points will be awarded within 60 days of qualification. Limit one per company.

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

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 Business Rewards or Cash Back Visa® Credit Card, subject to a maximum of three claims, per rolling twelve-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.