THE CARDTUNED DATABASE
First Citizens Cash Rewards Business Card
Issuer: First Citizens Bank · Network: Visa
5% cash back on utilities and wireless for the first 12 months, then 3%; 2% on gas and office supplies; 1% on other eligible purchases
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% purchase APR for first 9 months
- Regular APR
- 15.49%–24.49% variable APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
$100 cash back after $3,000 in purchases within 90 days
- Spending requirement
- $3,000 in purchases
- Time window
- within 90 days
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5% | cash back on utilities and wireless for the first 12 months, then 3% |
| Gas | 2% | on gas and office supplies |
| Other purchases | 1% | on other eligible purchases |
Additional benefits
• $100 welcome cash back after qualifying spend
• Employee cards available at no additional cost
Restrictions to know
Bonus requires $3,000 in eligible purchases within 90 days. Utility and wireless earnings fall from 5% to 3% after the first 12 months; merchant coding controls category eligibility. Returns, credits, transfers, cash advances, fees and cash equivalents do not earn rewards. Intro APR applies only for the stated period; the variable APR applies afterward.
Who can apply
Business underwriting applies.
Credit profile: Not Public / issuer underwriting applies