First Citizens Bank Low-Interest Business
The First Citizens Bank Low-Interest Business from First Citizens Bank earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the First Citizens Bank Low-Interest Business earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each).
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the First Citizens Bank Low-Interest Business?
The First Citizens Bank Low-Interest Business fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
First Citizens Bank Low-Interest Business fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use points the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- points value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
Does the First Citizens Bank Low-Interest Business have an annual fee?
The First Citizens Bank Low-Interest Business has an annual fee of $0 and a foreign transaction fee of $3. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the First Citizens Bank Low-Interest Business?
The First Citizens Bank Low-Interest Business includes Auto Rental Collision Damage Waiver, Booking.com, Cell phone protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Cell phone protection
$25/yrWhen you pay your monthly wireless bill with your covered First Citizens credit card, your cell phone is protected for the next calendar month.
Credit monitoring
$25/yrTake charge of your credit rating with DOVLY Uplift™, a Visa-backed free credit monitoring service. Dispute credit issues, monitor and track score changes, and more.
Identity protection
$25/yrYour First Citizens credit card includes ID Navigator powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened.
Porch piracy protection
$25/yrWhen you use your covered First Citizens account for your purchases, your new purchases can be protected against theft from your home or other location.
Roadside assistance
$25/yrCall on Roadside Dispatch® whenever you're in need of a tow. Assistance is available to eligible First Citizens credit cardholders 24/7 with no membership required.
Auto Rental Collision Damage Waiver
$10/yr(ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
Purchase Security and Extended Protection
$10/yrPurchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Roadside Dispatch®
$10/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Related encyclopedia topics
Common questions about the First Citizens Bank Low-Interest Business
Does the First Citizens Bank Low-Interest Business have an annual fee?
The First Citizens Bank Low-Interest Business carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the First Citizens Bank Low-Interest Business?
Dining is the strongest Madeen category for the First Citizens Bank Low-Interest Business at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the First Citizens Bank Low-Interest Business charge foreign transaction fees?
The First Citizens Bank Low-Interest Business charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the First Citizens Bank Low-Interest Business?
Madeen's catalog lists a typical credit range of Good for the First Citizens Bank Low-Interest Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the First Citizens Bank Low-Interest Business?
Rewards on the First Citizens Bank Low-Interest Business post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the First Citizens Bank Low-Interest Business?
To maximize the First Citizens Bank Low-Interest Business, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the First Citizens Bank Low-Interest Business compare to similar cards?
Compare the First Citizens Bank Low-Interest Business against First Citizens Bank Premium Rewards Business (3% on Dining, $95 fee); First Citizens Bank Travel Rewards (2% on Dining, $95 fee); First Citizens Bank Cash Rewards (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
First Citizens Bank Low-Interest Business This card | Dining | 0% | $0 |
First Citizens Bank | Dining | 3% | $95 |
First Citizens Bank | Dining | 2% | $95 |
First Citizens Bank | Dining | 1.5% | $0 |
First Citizens Bank | Dining | 0% | $0 |
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