First Citizens Bank Rewards Business
The First Citizens Bank Rewards Business from First Citizens Bank earns up to 3% effective value on gas in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Get 10,000 bonus points after you spend $3,000 in the first 90 days. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Gas
- Effective value
- 3%
- 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 Rewards Business earn in each category?
Gas is the strongest category at 3% effective value (3x points at about 1 cents each). That gas rate ranks higher than about 67% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 3% effective value (3x points at about 1 cents each). That gas rate ranks higher than about 67% of the 1,551 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 3x points | 3% Top category |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values First Citizens Bank points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the First Citizens Bank Rewards Business reward caps and conditions?
The First Citizens Bank Rewards Business has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 2 points for every $1 spent at restaurants
- Earn 3 points for every $1 spent on gas
Who should get the First Citizens Bank Rewards Business?
The First Citizens Bank Rewards Business fits spenders who put meaningful volume in gas and can earn 3x points. Best for spenders who put meaningful volume in gas and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
First Citizens Bank Rewards Business fits spenders who put meaningful volume in gas and can earn 3x points. Madeen ranks its gas effective rate higher than about 67% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for gas spend if you need a business card and can use First Citizens Bank 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 gas at about 3% effective (3x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- First Citizens Bank 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 Rewards Business have an annual fee, and what's the welcome bonus?
The First Citizens Bank Rewards Business has an annual fee of $0 and a foreign transaction fee of None. New applicants may see: Get 10,000 bonus points after you spend $3,000 in the first 90 days. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
- Signup bonus
- Get 10,000 bonus points after you spend $3,000 in the first 90 days
What benefits come with the First Citizens Bank Rewards Business?
The First Citizens Bank Rewards 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.
- Auto Rental Collision Damage WaiverIncluded with Visa Traditional
Auto Rental Collision Damage Waiver (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.
- Booking.comIncluded with Visa Traditional
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.
- Cell phone protection
When 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
Take 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
Your First Citizens credit card includes ID Navigator powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened.
- OpenTableIncluded with Visa Traditional
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Porch piracy protection
When you use your covered First Citizens account for your purchases, your new purchases can be protected against theft from your home or other location.
- Purchase Security and Extended ProtectionIncluded with Visa Traditional
Purchase 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.
Common questions about the First Citizens Bank Rewards Business
Does the First Citizens Bank Rewards Business have an annual fee?
The First Citizens Bank Rewards 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 Rewards Business?
Gas is the strongest Madeen category for the First Citizens Bank Rewards Business at about 3% 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 Rewards Business charge foreign transaction fees?
The First Citizens Bank Rewards Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the First Citizens Bank Rewards Business welcome bonus?
The First Citizens Bank Rewards Business welcome offer in our snapshot: Get 10,000 bonus points after you spend $3,000 in the first 90 days. Minimum spend, eligibility, and offer windows are set by the issuer and 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 Rewards Business?
Madeen's catalog lists a typical credit range of Good for the First Citizens Bank Rewards 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 Rewards Business?
Rewards on the First Citizens Bank Rewards Business post as First Citizens Bank points. Redemption value depends on how you use First Citizens Bank points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the First Citizens Bank Rewards Business compare to similar cards?
Compare the First Citizens Bank Rewards Business against First Citizens Bank Rewards (3% on Gas, $0 fee); First Citizens Bank Cash Rewards Business (2% on Gas, $0 fee); First Citizens Bank Premium Rewards Business (3% on Dining, $95 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 Rewards Business This card | Gas | 3% | $0 |
First Citizens Bank | Gas | 3% | $0 |
First Citizens Bank | Gas | 2% | $0 |
First Citizens Bank | Dining | 3% | $95 |
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