THE CARDTUNED DATABASE
First Citizens Rewards Business Card
Issuer: First Citizens Bank · Network: Visa
3 points per $1 on gas; 2 points on dining and travel; 1 point elsewhere
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- 0% 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
10,000 points 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 |
|---|---|---|
| Gas | 3 points | per $1 on gas |
| Dining | 2 points | on dining and travel |
| Eligible purchases | 1 point | elsewhere |
Additional benefits
• 10,000 points after $3,000 in purchases within 90 days
• 0% APR for nine months on purchases and balance transfers
Restrictions to know
The 10,000-point bonus requires $3,000 in qualifying purchases within 90 days. Rewards have a 10,000-point monthly earning cap and are available for redemption for three years. Merchant coding, business eligibility and approval apply; after nine months, 15.49%–24.49% variable APR applies.
Who can apply
Business underwriting applies.
Credit profile: Not Public / issuer underwriting applies