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Business Credit Card Rewards Program Rules
Get to know credit card bonus offers, rewards and points
Quickly find what you need below
Rewards Business Visa
Bonus Offer
Earn 10,000 bonus points after you spend $3,000 in the first 90 days. Bonus points will be credited within 60 days of qualification under the Commercial Spend Bonus description. Offer is valid on new accounts only.
Earning Points
You'll earn points on gross retail purchases—excluding returns and credits—made with a Rewards Business credit card by you or an authorized user of the account. Earn 3 points for every $1 spent on gas. Earn 2 points for every $1 spent on restaurants and travel. Earn 1 point for every $1 spent on all other purchases. There's a 10,000 monthly points cap, and points are available for redemption for a 3-year term.
Rewards Categories: 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 types of products and services they primarily sell. We group similar merchant codes into categories so we can make reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, while 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 happens, purchases with that merchant won't qualify for rewards offers on purchases in that category.
Rewards Redemption
Rewards Business credit cards may redeem points for (i) cash back to a First Citizens checking or savings account or credit card statement credits, (ii) credit toward a First Citizens personal loan or mortgage principal, (iii) Pay Me Back statement credits, (iv) travel rewards—including airline tickets, hotels, car rentals, cruises and tours—(v) retail gift cards and certificates, (vi) merchandise and (vii) donations.
These terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible via the program website at FirstCitizensRewards.com at login.
Program Rules are subject to change or cancellation without notice.
Cash Rewards Business Visa
Bonus Offer
Earn $100 bonus cash back after you spend $3,000 in the first 90 days. Bonus cash back will be credited within 60 days of qualification under the Commercial Spend Bonus description. Offer is valid on new accounts only.
Earning Rewards Dollars
You'll earn rewards dollars on gross retail purchases—excluding returns and credits—made with a Cash Rewards Business credit card by you or an authorized user of the account. Earn 5% on utilities and wireless phone for the first 12 months and 3% thereafter. Earn 2% on gas and office supplies. Earn 1% on all other purchases. There's no monthly rewards dollars cap, and rewards dollars are available for redemption for a 3-year term.
Rewards Categories: 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 types of products and services they primarily sell. We group similar merchant codes into categories so we can make rewards offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, while a merchant or some of the items it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this happens, purchases with that merchant won't qualify for rewards offers on purchases in that category.
Rewards Redemption
Cash Rewards Business credit cards may redeem reward dollars for (i) cash back to a First Citizens checking or savings account or credit card statement credits, (ii) Pay Me Back statement credits and (iii) donations.
These terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible via the program website at FirstCitizensRewards.com at login.
Program Rules are subject to change or cancellation without notice.
