THE CARDTUNED DATABASE
First Citizens Low-Interest Business Card
Issuer: First Citizens Bank · Network: Visa
No rewards
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% APR on purchases and balance transfers for first 12 months
- Regular APR
- 13.49%–22.49% 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
No cash/points welcome bonus; 0% APR on purchases and balance transfers for first 12 months
- Spending requirement
- Not applicable — balance-transfer/purchase APR promotion
- Time window
- first 12 months
Offer last checked: 2026-09-04
Additional benefits
• 0% introductory APR on purchases for 12 months
• 0% introductory APR on balance transfers for 12 months
• Low ongoing variable APR range
• Employee cards available at no additional cost
• Visa business card protections and account controls
Restrictions to know
Balance transfers are subject to a 3% fee with a $5 minimum and must satisfy offer timing and eligibility requirements. The ongoing 13.49%–22.49% variable APR applies after the introductory period. No rewards or public cash/points welcome bonus is offered. Business eligibility and credit approval apply.
Who can apply
Business underwriting applies.
Credit profile: Not Public / issuer underwriting applies