The First Citizens Community Bank is a business credit card from First Citizens Community Bank. Application typically pulls a hard report from Experian. The annual fee is $0. Approval typically requires a credit score of 650-700 or higher. Cash back: 1% cash back. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by TCM Bank, N.A. (subsidiary of ICBA Payments). Community bank white-label card program. Bureau pull data not publicly verified.