First Citizens Bank Rewards Business Credit Card

Key Takeaways

• 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 9 months, which is shorter than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 9 months.
• APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.24% up to 26.24%.
• No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
• A 3% balance transfer fee. First Citizens Bank Rewards 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.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, 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 Rewards Business Credit Card

What are the relevant APRs?

What fees does it charge?

• There is no annual fee.
• A late payment penalty of up to $39 .
• A returned payment fee of up to $39.

Does it offer a cash back or rewards program?

• Every Purchase
• Gas stations
• Restaurants