Purchasing Card

Take control of business expenses

Use a purchasing card to better manage working capital

Make more efficient purchases with the First Citizens Visa® Purchasing Card. A purchasing card, or p-card, improves your process efficiency, reduces manual work and operating costs, and streamlines reconciliation. Plus, you can easily set restrictions to control employee spending—all while making faster payments.

Safe and efficient

Electronic payments are secure, fast and more accurate than paper checks.

Lowered costs

Reduce administrative costs for purchase orders, invoices and checks.

More control

Give your employees more control and the ability to purchase supplies they need.

Find out more about purchasing cards

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See how it works

Take a tour to learn how your First Citizens Visa Purchasing Card works.

Watch the First Citizens Bank purchasing card demonstration video

First Citizens Bank Visa Purchasing Card with 360 Control delivers web-based, powerful yet easy-to-use tools that make managing purchasing card programs more effective and efficient.

Program administrators need an easy-to-use automated tool for transaction review, card setup, changes to credit limits, proper coding and general program control.

Cardholders want flexibility to make purchases for the supplies they need. They also need the ability to access, review and request approval for transactions.

360 Control offers the best of both worlds with a logical, intuitive, easy-to-learn tool that gives administrators the control they need to gain efficiencies and better manage cash flow while providing cardholders with the right tools to view and manage card transactions.

With 360 Control, reviewers and approvers gain full visibility into cardholder transactions with the ability to see which vendors have been used, how much was spent and how charges have been allocated.

To effectively monitor spend and make informed decisions, 360 Control includes comprehensive reports that provide the right information and insights to take action.

And 360 Control simplifies transaction management for cardholders and reduces paperwork for everyone with the ability to effortlessly monitor spending from one secure location.

First Citizens Visa Purchasing Card with 360 Control delivers functionality your organization needs to effectively manage your card program and monitor spend.

To learn more, please visit FirstCitizens.com or contact your local banker or Treasury Sales Officer.

First Citizens Bank

Member FDIC

Purchasing Card Benefits
Pay with confidence

Fraud reduction

The Visa Purchasing Card helps reduce fraud and costly mistakes typically produced using paper checks.

Fraud reimbursement

The purchasing card features a Visa Corporate Waiver Protection Program for employee fraud reimbursement.

Activity monitoring

Easily monitor purchases and activity through 360Control card management software.

Contactless payments

Generate a unique code for each transaction using chip card security to help prevent fraud.

Digital wallet

Your smartphone's digital wallet is a fast and secure way to pay seamlessly with purchasing cards.

how a purchasing card works

Business expenses just got easier

Simplify your business purchases, reduce paperwork and monitor your expenses.

Criteria

P-cards are available to customers expecting to spend $1 million or more each year on their card.

Control

You determine cardholders and related spending limits.

Purchasing

Use your purchasing card for in-person and online transactions wherever Visa is accepted.

Purchasing Card FAQ
People often ask us

A p-card is a company charge card for large, more complex companies looking to streamline their payment processing. It's a tool designed to make the business purchasing process more efficient by reducing check writing, providing greater control over spending and giving clients enhanced visibility into their spending patterns.

With a p-card, employees avoid the traditional purchasing process, meaning they can make purchases when needed without having to make a request and await approval. P-cards are also an alternative to employees having to use their own credit cards and filing for reimbursement. They're convenient for employees—and business owners. P-cards allow for spending limits and can cut down on the time and money required to track expenses, create expense reports and balance books.

P-cards can be used for a wide variety of purchases, including:

  • Business travel expenses
  • Client meeting expenses
  • Equipment
  • Office supplies
  • Training materials and professional development
  • Vendor payments

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