THE CARDTUNED DATABASE
First Citizens Premium Rewards Business Card
Issuer: First Citizens Bank · Network: Visa
3 points per $1 on dining, advertising and travel; 1.5 points elsewhere
- Annual fee
- $95
- Foreign transaction fee
- 0%
- Intro APR
- No public introductory APR offer shown
- Regular APR
- 17.49%–26.49% 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
50,000 points after $4,500 in purchases within 90 days
- Spending requirement
- $4,500 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 |
|---|---|---|
| Dining | 3 points | per $1 on dining, advertising and travel |
| Eligible purchases | 1.5 points | elsewhere |
Additional benefits
• 50,000 points after $4,500 in purchases within 90 days
• No monthly point cap and points do not expire while in the program
• No foreign-transaction fee and employee cards at no additional cost
Restrictions to know
The 50,000-point bonus requires $4,500 in qualifying purchases within 90 days. Merchant coding and net-purchase rules apply. Business eligibility and credit approval are required; the $95 annual fee begins after the first-year waiver.
Who can apply
Business underwriting applies.
Credit profile: Not Public / issuer underwriting applies