First Citizens Bank Rewards Business
First Citizens Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Citizens Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
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.
- Top category
- Gas
- Effective value
- 3%
- Annual fee
- $0
Worth a look for gas spend if you need a business card and can use First Citizens Bank points the way you redeem today. 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.
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 82% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how First Citizens Bank Rewards Business compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
Gas is the strongest category at 3% effective value (3x points at about 1 cents each). That gas rate ranks higher than about 82% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how First Citizens Bank Rewards Business compares across dining, grocery, gas, travel, and other spend.
| 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.
- 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 82% 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.
Pros
- Strongest Madeen category is gas at about 3% effective (3x points).
- That gas rate ranks higher than about 82% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
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.
What is the First Citizens Bank Rewards Business welcome bonus?
In Madeen's catalog snapshot, the First Citizens Bank Rewards Business welcome offer is 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 — confirm on the issuer application page before applying.
- Offer
- 10k First Citizens Bank Points (~$100 estimated)
- Terms (catalog snapshot)
- Get 10,000 bonus points after you spend $3,000 in the first 90 days
- Minimum spend
- $3,000
- Window
- 90Days
Does the First Citizens Bank Rewards Business have an annual fee?
The First Citizens Bank Rewards Business has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
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.
Purchase Security and Extended Protection
$10,000/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.
Cell phone protection
$7,200/yrWhen you pay your monthly wireless bill with your covered First Citizens credit card, your cell phone is protected for the next calendar month.
Roadside Dispatch®
$1,000/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.
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.
Roadside assistance
$50/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.
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.
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.
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 Rewards Business
Where do cardholders spend most with the First Citizens Bank Rewards Business?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gas (3x), coffee (2x), fast food (2x) for the First Citizens Bank Rewards Business. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
How to redeem rewards with First Citizens Rewards cards?
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.
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.
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.
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.
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.
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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Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for gas spend to see which cards win at checkout.
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First Citizens Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Citizens Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure