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Visa0/4 on file
Annual fee: issuer restricts access
First Citizens Bank · Visa

Premium Rewards Business Credit Card

BusinessNo FX FeePoints

The Premium Rewards Business Credit Card is a Visa card from First Citizens Bank. First Citizens Bank's site does not let us read its terms, so we leave the annual fee blank — check it on First Citizens Bank's own site. Here is what we hold on it, and what we do not.

Apply on First Citizens BankCompare this card
Opens First Citizens Bank’s site

Bank with branches in: North Carolina (194), South Carolina (110), California (54), Virginia (34), Florida (27), Georgia (26), Texas (9), Wisconsin (7) and 15 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Premium Rewards Business Credit Card, exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
Not confirmed
Foreign transaction
NoneChecked firstcitizens.com
Purchase APR
17.49%–26.49%Checked firstcitizens.com
Income requirement
Not confirmed
Network
Visa
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Premium Rewards Business Credit Card. That may mean there isn’t one, or simply that we have not recorded it — First Citizens Bank’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Premium Rewards Business Credit Card. Rather than print a multiplier we cannot source, this stays blank until First Citizens Bank’s own terms give us one.

We couldn't verify this · check with the issuer
Next step

Ready to apply for the Premium Rewards Business Credit Card?

You'll finish the application on First Citizens Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens First Citizens Bank’s site
Questions

Questions about the Premium Rewards Business Credit Card

How much is the Premium Rewards Business Credit Card annual fee?

We could not verify the Premium Rewards Business Credit Card's annual fee, so we do not print one. Check the current annual fee on First Citizens Bank's own site before you apply.

What does the Premium Rewards Business Credit Card earn?

We could not verify the Premium Rewards Business Credit Card's earn rates, so we do not print a multiplier. Check them on First Citizens Bank's own site.

What network is the Premium Rewards Business Credit Card on?

The Premium Rewards Business Credit Card runs on the Visa network, which determines where it is accepted and which network-level benefits apply.

Is the Premium Rewards Business Credit Card available in United States?

Yes — the Premium Rewards Business Credit Card is issued by First Citizens Bank and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Premium Rewards Business Credit Card figures last checked?

We checked its foreign transaction fee in October 2026 and its purchase APR in October 2026, each against a published document. We could not verify, so we do not print: annual fee, earn rates and welcome offer. Check them with First Citizens Bank. Terms can change without notice, so confirm the current details with First Citizens Bank before you apply.