Compare Business Credit Cards

Earn cash back and rewards while you build your business

Compare

Here's a quick glance at our small business credit cards to help you decide which one's right for you.

Premium Rewards Business credit card

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

17.74% to 26.74% variable APRD based on creditworthiness

0% intro APR for the first 9 months following account opening, then 15.74% to 24.74% variable APRD

0% intro APR for the first 9 months following account opening, then 15.74% to 24.74% variable APRD

0% intro APR for the first 12 months following account opening, then 13.74% to 22.74% 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
Learn more about the Premium Rewards Business credit card
Learn more about the Rewards Business credit card
Learn more about the Cash Rewards Business credit card
Learn more about the low-interest business credit card

Business Digital Banking
Manage your business on the go

Manage your accounts from anywhere

Send & transfer money with 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 & transfer money with ACH and wires

Business Digital Banking
Manage your business on the go

Receive account and security alerts

Learn more about business digital banking

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

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

Merchants are assigned a merchant category code (MCC) based on the types of goods or services they primarily sell. We group similar MCCs into categories to determine which purchases qualify for rewards. We make every effort to include all relevant MCCs in our categories. However, if a merchant's MCC is not included, even if the merchant or some of its products appear to fit the category, those purchases will not earn rewards for 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 October 31, 2025, is 7.00% 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.

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

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.

NMLSR ID 503941