Compare Business Credit Cards

Earn cash back and rewards while you build your business

Compare

Here's a quick glance at our business credit cards to help you decide.

Rewards

Accelerated Earnings

Cash Back

Lowest Interest

Features

Points on every purchase

Unlimited earnings

Cash back

A steady, low rate

Bonus Offer

10,000 points after you spend $3,000 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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How much you earn

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

1.5 points for every $1 spent on 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 Rate

11.99% - 20.99% variable APRD based on creditworthiness

11.99% - 20.99% variable APRD based on creditworthiness

11.99% - 20.99% variable APRD based on creditworthiness

9.99% - 18.99% variable APRD based on creditworthiness

Annual rewards program fee

$0

$150D

$0

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Foreign Transaction Fee

None

3%

3%

3%

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

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

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.

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.

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

Enrollment involves an annual rewards fee of $150 per company. This fee is subject to change at any time, and will be charged to your account upon enrollment. Only available to businesses with credit card lines less than $100,000.

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.

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 ${date-today} 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.

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.