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: $100 bonus cash back after spending $3,000 in the first 90 days. Rewards: 5% cash back on utilities and wireless phone for first 12 months and 3% thereafter; 2% on gas and office supplies; 1% on all other purchases.