Save on Interest

Business savvy meets interest savings

Our Lowest Rate

Save when you carry a balance by getting our card with the lowest rate.

Live Fee-Free

Say goodbye to fees with no annual fee and employee cards at no additional cost.

Transfer a Balance

Get an introductory offer if you transfer a balance from another card.

Benefits

Make the most of our lowest interest rate

Smart decisions build longevity for your business. Pay monthly business expenses all in one place and get our lowest interest rate.

  • No annual fee
  • Separate personal and business expenses
  • Get employee cards at no additional cost with limits set by you
  • Get added benefits and security through VisaD
Card Details

Card Details and Transaction Fees

Purchase rate

Variable 9.99% to 18.99% APRD based on creditworthiness

Balance transfers

0% introductory APRD for the first 6 months, then a 9.99% to 18.99% variable APR based on creditworthiness, each transfer is subject to a 3% fee ($5 minimum)

Cash advances

Variable 22.99% APRD, each transaction is subject to a 4% fee ($5 minimum)

Annual fee

$0

Foreign transaction fee

3% of each transaction 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

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.

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.

Purchase Security/Extended Protection, Extended Warranty Protection, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver provided by Visa. Certain terms, conditions and exclusions apply. Please refer to the Business Visa Credit Card Guide to Benefits (PDF) for complete details.

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.