Small Business Credit Cards

Get the credit card you need to build your business

Quick, convenient and contactless

Choose from four Visa® small business credit cards to help support your needs. Protect your spending with robust fraud protection, track and limit expenses, build your credit, and get great benefits like travel and emergency assistance.

Rewards Business credit card

  • Get 10,000 bonus points after you spend $3,000 in the first 90 daysD
  • Earn 3 points for every $1 spent on gas and 2 points for every $1 spent on restaurants and travelD
  • Earn 1 point per $1 spent on all other purchasesD
  • 0% introductory APRD on purchases and balance transfers for 9 months, then 16.74% to 25.74% variable APRD
  • No annual fee

Cash Rewards Business credit card

  • Get $100 bonus cash back after you spend $3,000 in the first 90 daysD
  • Earn 5% cash back on every utility and wireless phone purchaseD for the first 12 months, then 3%
  • Earn 2% cash back on gas and office suppliesD
  • Receive 1% cash back on all other purchasesD
  • 0% introductory APRD on purchases and balance transfers for 9 months, then 16.74% to 25.74%D variable APR
  • No annual fee

Compare

Still not sure? Here's a quick glance at our small business credit cards to help you decide.

Premium Rewards Business credit card

Premium Rewards Business credit card

Cash Rewards Business credit card

Low-Interest Business credit card

Special offer

50,000 bonus points after you spend $4,500 in the first 90 daysD

10,000 bonus points after you spend $3,000 in the first 90 daysD

$100 cash back after you spend $3,000 in the first 90 daysD

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What you can earn

3 points for every $1 spent on restaurants, advertising and travelD

1.5 points for every $1 spent on all other purchasesD

3 points for every $1 spent on gasD

2 points for every $1 spent at restaurants and on travelD

1 point for every $1 spent on all other purchasesD

5% cash back on utilities and wireless phonesD for the first 12 months, then 3%

2% cash back on gas and office suppliesD

1% cash back spent on all other purchasesD

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Purchase and balance transfer APR

18.74% to 27.74% variable APRD based on creditworthiness

0% intro APR for the first 9 months following account opening, then 16.74% to 25.74% variable APRD

0% intro APR for the first 9 months following account opening, then 16.74% to 25.74% variable APRD

0% intro APR for the first 12 months following account opening, then 14.74% to 23.74% variable APRD

Annual fee

$0 for first year, then $95D

$0

$0

$0

Foreign transaction fee

None

None

3% of each transaction after conversion in US dollars

3% of each transaction after conversion in US dollars
Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Learn more about business digital banking
Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Learn more about business digital banking
FAQ

People often ask us

Business credit cards can be used for business purposes, including travel and supply purchases. Personal credit cards can be used by individuals to pay off personal debts and build credit. Compared to personal cards, business credit cards carry higher spending limits, can be given to individual employees with set spending limits and have business-specific benefits and rewards.

Business credit cards work much the same way as personal credit cards, although they generally offer a higher credit limit. A business credit card can help you keep your business and personal expenses separate to make it easier when it's time to do your taxes. As an owner, you can give business credit cards to employees and set limits that you control. Consistent on-time payments to a business credit card will allow your business to build good credit and can open the door to more financial opportunities.

To apply for a business credit card with First Citizens, visit your local branch.

The documentation you'll need to apply for a business credit card varies based on your business type and needs. Review our business account requirements to learn which documents you'll need during the account opening process.

Yes. Business credit cards are available to businesses of all sizes, including startups.

To apply for a business credit card with First Citizens,  visit your local branch.

Yes. You can apply for a business credit card if you have a limited liability company, or LLC. Sole proprietorships, partnerships and self-employed business operators can also apply for a business credit card.

Yes. Using an Employer Identification Number, or EIN, can help you build business credit. In most cases, a personal guarantee will be required for approval.

All business owners with significant ownership will be part of the application process, which means their credit will be pulled. This can affect their personal credit score at the time of the application. We only report activity to your business credit report, not your personal one.

Approval for a business credit card is based on both your personal and business credit scores. If you need to build personal credit history, you can apply for a consumer secured cash back credit card.

There's no set minimum credit score because it's just one of many factors that are evaluated during the card approval process. It's important to note, though, that both personal and business credit scores of all significant business owners are pulled when you apply for a business credit card.

Business Credit Card Insights

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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 March 31, 2023, is 8.00% 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.

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

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.

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.

The $95 initial annual fee will be waived the first year but charged to your Premium Rewards Business Visa account every 12 months thereafter.

Subject to a balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater.

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.