The First Citizens Bank Business Cash Rewards is a business credit card from First Citizens Bank Business Cash Rewards. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 13.24% - 23.24% Variable after a 0% introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: Earn $200 cash back after spending $3,000 in the first 3 months.. Rewards: 1.5% cash back on all purchases.. Cash back: 1.5% on all purchases.. Typical credit limit: $5,000 - $50,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). No annual fee and rewards on every purchase.