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Visa3/4 on file
✓ Annual fee checked
First Citizens Bank · Visa

Rewards Business Credit Card

BusinessNo Annual FeeNo FX FeePointsWelcome Bonus

The Rewards Business Credit Card is a Visa card from First Citizens Bank with an annual fee of $0. Here is what we hold on it, and what we do not.

Annual fee$0per yearChecked firstcitizens.com
Welcome offer10,000 ptsChecked firstcitizens.com
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 Rewards Business Credit Card, exactly as recorded.

Annual fee
$0Checked firstcitizens.com
Supplementary card
Not confirmed
Foreign transaction
NoneChecked firstcitizens.com
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Visa
Credit needed
Not confirmed
Sign-up

The welcome offer

Get 10,000 bonus points when you spend $3,000 in the first 90 days.

Checked firstcitizens.com
Points10,000Checked firstcitizens.com
Min. spend$3,000within 90 daysChecked firstcitizens.com
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the 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 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 Rewards Business Credit Card

How much is the Rewards Business Credit Card annual fee?

The Rewards Business Credit Card has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Rewards Business Credit Card earn?

We could not verify the 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 Rewards Business Credit Card on?

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

Is the Rewards Business Credit Card available in United States?

Yes — the 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 Rewards Business Credit Card figures last checked?

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