The First Citizens Bank is a business credit card from First Citizens Bank. The annual fee is $0 first year, then $95. The ongoing APR is 17.49% to 26.49% variable APR based on creditworthiness. Signup bonus: 50,000 bonus points after spending $4,500 in the first 90 days. Rewards: 3 points per $1 on dining, advertising and travel; 1.5 points per $1 on all other purchases.