The First Citizens Bank is a business credit card from First Citizens Bank. Application typically pulls a hard report from Experian. The annual fee is $0 introductory fee for the first year, then a $95 annual fee. The ongoing APR is 17.49% to 26.49% variable APR after a 0% introductory APR introductory rate for 9 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: 50,000 bonus points after you spend $4,500 in the first 90 days. Rewards: 3 points for every $1 spent on dining, advertising and travel; 1.5 points for every $1 spent on all other purchases. Cash back: 5% on utilities and wireless phones, 3% on all other purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). EXPERT REFERENCE (Aug 2025): 0% for 12 months | EXPERT REFERENCE (Aug 2025): Strong $35K–$50K approvals | EXPERT REFERENCE (Aug 2025): Equifax pulled | EXPERT REFERENCE (Aug 2025): Approved for $20,000 with no financial documents required. | EXPERT REFERENCE (Aug 2025): 0% APR on purchases for the first 9 months. | EXPERT REFERENCE (Aug 2025): Cashback rewards: 5% on utilities and wireless phone bills for the first 12 months, 3% ongoing, 2% on gas and office supplies, 1% on everything else. | EXPERT REFERENCE (Aug 2025): $100 bonus for spending $3,000 in the first 90 days. | EXPERT REFERENCE (Aug 2025): No rewards cap and rewards are valid for 3 years. | EXPERT REFERENCE (Aug 2025): Authorized users earn rewards too. | Underwritten by TCM Bank, N.A. (subsidiary of ICBA Payments). Community bank white-label card program. Bureau pull data not publicly verified. | Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%). | EXPERT REFERENCE (Feb 2026): Typical no-doc range: under $75K | EXPERT REFERENCE (Feb 2026): Pulls: Experian