The First Citizens Bank is a business credit card from First Citizens Bank. The ongoing APR is 15.49% to 24.49% variable APR based on creditworthiness after a 0% introductory rate for 9 months. Signup bonus: 10,000 bonus points after spending $3,000 in the first 90 days. Rewards: 3 points per $1 on gas; 2 points per $1 on dining and travel; 1 point per $1 on all other purchases.