The First Citizens Rewards Business Visa Card has an offer for 10,000 bonus points if your company signs up for accelerated rewards and spends $3,000 within the first 90 days. According to First Citizens Bank, this welcome offer is worth $100. The Ink Business Unlimited® Credit Card offers a much better welcome bonus with comparable spending requirements and no annual fee. See our list for more business credit card offers.
With the First Citizens Rewards Business card, your company earns 1x points on all purchases – capped at 10,000 points per month – without having to pay an annual fee. To accelerate your earnings, pay $150 a year and get unlimited 1.5x points on all spending.
Unfortunately, not all companies are eligible to apply. The First Citizens Rewards Business card is only available in 18 states where the issuer operates (more on that later).
*Check out First Citizens Bank bonuses for checking accounts.
|Bonus Available||None||Get 10,000 bonus points after you spend $3,000 on purchases in the first 90 days after account opening.|
|Ongoing Rewards/Benefits||Earn 1 point per $1 spent on all purchases. Capped at 10,000 points per month||Earn unlimited 1.5 points per $1 spent on all purchases.|
|Points Expire||After 3 years||Never|
|Foreign Transaction Fees?||2%||2%|
*Bonus value is an estimated value calculated by MoneysMyLife and not the card issuer. Read our card review for more details.
View our latest valuations here.
- Free employee cards
- Limited availability
- Good-Excellent credit needed to qualify
- Foreign transaction fees
First Citizens Rewards Business Card 10,000 Bonus Points Offer
Take advantage of the First Citizens Rewards Business card’s 10,000 bonus points offer, worth $100 in rewards (more on that below).
To qualify, register for accelerated rewards and charge at least $3,000 to your card within the first 90 days of opening your account.
Here are some ideas on meeting the spending requirement:
What Are First Citizens Rewards Points Worth?
Each point is worth $0.01, which means 100 points equals $1 when you redeem. When it comes time to use your First Citizen Rewards points, you have a variety of options, including:
- Statement credits
- Airline tickets, hotel stays, car rentals, cruises and tours
- Retail gift cards and certificates
- Charitable donations
If your company is registered for accelerated rewards, you can redeem 50,000 points for one continental flight priced below $1,000. But you must book that flight at least 21 days in advance and it must include a Saturday night stay. If redeemed this way, your points could be worth as much as $0.02 apiece.
First Citizens Rewards Business Card Availability
The First Citizens Rewards Business card is only available to companies that operate near a First Citizens Bank. That includes businesses in:
- North Carolina
- New Mexico
- South Carolina
- West Virginia
Otherwise, you’ll want to consider business credit cards that are available nationwide.
No matter which rewards program you’re considering – regular or accelerated – the First Citizens Rewards Business card just doesn’t cut it.
At the no-annual-fee level, you’ll get very low earning potential and a three-year expiration date on your points.
At the accelerated tier, you’ll have to cough up $150 a year. You could get a lot more value out of other business rewards cards with a pricetag like that.
What’s The Competition?
Below are some of the top competitors to the First Citizens Rewards Business Visa credit card you should consider.
|OFFER LINK||OFFER||OUR REVIEW|
|Chase Business Complete Banking℠||$300 Cash||Review|
|Chase Total Checking®||$225 Cash||Review|
|Chase Secure Banking℠||$100 Cash||Review|
|TD Bank Beyond Checking||$300 Cash||Review|
|TD Bank Convenience Checking℠||$150 Cash||Review|
|HSBC Premier Checking||$450 Cash||Review|
|Axos Business Checking||$100 Cash||Review|
|Aspiration Checking||$150/$200 Cash||Review|
|Ally Invest||Up To $3,000||Review|
|Betterment||Up To 1 Year Free||Review|
|BlockFi||Up To $250 BTC||Review|
|Voyager (code BH5F1A)||$25 In BTC||Review|
|Coinbase||$10 In BTC||Review|
|Motley Fool||Stock Advisor Discount||Review|