Last Updated: 04/18/2025
First Citizens Bank Low-Interest Business Credit Card
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Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
15.24% - 24.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
15.24% - 24.24%(Verified 06/21/2024)
Annual Fee
$0
Credit Score Range
670 - 850
First Citizens Bank Low-Interest Business Credit Card Review
This is a card issued by First Citizens Bank. If you're wondering whether First Citizens Bank Low-Interest Business Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- APRs: First Citizens Bank Low-Interest Business Credit Card has a variable regular purchase APR that ranges from 15.24% up to 24.24%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. First Citizens Bank Low-Interest Business Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of First Citizens Bank Low Interest Card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 15.24% up to 24.24% . The card has a variable balance transfer APR that ranges from 15.24% up to 24.24% .
It also has a variable cash advance APR of 28.24%. Note that late payments are subject to an APR of 30.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 12 months from account opening.
This business card does offer an introductory APR rate on new purchases of 0% for a period of 12 months.
| Purchase APR | 15.24% - 24.24% |
| Balance Transfer APR | 15.24% - 24.24% |
| Cash Advance APR | 28.24% |
| Penalty APR | 30.24% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39 .
- A returned payment fee of up to $39.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program.
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Hours of Operation
Sunday
7:00AM - 11:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
7:00AM - 11:00PM