The First Citizens Bank is a business credit card from First Citizens Bank. The annual fee is $0. The ongoing APR is 15.49% to 24.49% variable, based on creditworthiness (Prime Rate + 8.74% to 17.74%; Prime 6.75% as of Dec 31, 2025; pricing accurate as of December 2025) after a 0% introductory APR on purchases and balance transfers for the first 9 months following account opening introductory rate for 9 months. Signup bonus: $100 bonus cash back after you spend $3,000 in the first 90 days (credited within 60 days of qualification; new accounts only; limit one per company). Rewards: 5% cash back on utilities and wireless phone for the first 12 months and 3% thereafter; 2% on gas and office supplies; 1% on all other purchases (gross retail purchases less returns/credits); no monthly rewards dollars cap; rewards dollars available for redemption for a 3-year term. Loan terms: Revolving business credit card; due date at least 25 days after the close of each billing cycle; no interest on purchases and balance transfers if the entire balance is paid by the due date each month; interest on cash advances from the transaction date; minimum interest charge $1.00; average daily balance method.