Increase your purchasing power. A First Citizens Visa® business credit card gives you round-the-clock access to funds — so you can supply your business on your schedule. Low rates and no annual fee help you stay on budget. Plus, easy expense tracking with online access, all backed by the power of Visa.
Visa Card Options
Business Rewards Visa
Earn Unlimited Rewards Points
Earn one point per dollar on all net purchases. Choose from hundreds of merchandise, travel and activity options.
Business Cash Rewards Visa
Earn Unlimited 1% Cash Back
Earn 1% cash back on all net purchases, every day. Cash rewards don’t expire.
Business Edition Visa
If you’re looking for a no-frills card with a low rate, this one is for you.
In accordance with VISA rules and regulations, effective in October 2017, First Citizens National Bank cardholders will be automatically enrolled in the VISA Account Updater (VAU) service. VAU helps facilitate uninterrupted processing of your recurring payments through a secure electronic exchange of account information updates between participating Visa Card issuers, acquirers and merchants.
When new cards are issued due to account information changes such as card expiration, for example, the new account information is sent to VAU for cards scheduled with recurring payments to participating merchants. Participating merchants can send inquiries to VAU about their account-on-file transactions and are provided with updated card information, if available. This helps participating issuers retain cardholders by maintaining continuity of their payment relationships with participating merchants.
Cardholder Benefits of VAU
Note: Merchant participation is optional, and some merchants may choose not to use this service. Participation in VAU does not relieve you of your obligation to confirm merchants have correct account information on file for you. Neither VISA nor First Citizens National Bank can guarantee the account updates will be communicated to merchants prior to the next billing date.
Account Opt-Out Procedures
If despite the benefits of VAU you wish to opt out of this service, please fill out this form.
1. Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.
2. To activate coverage, complete the entire rental transaction with your card and decline the collision damage waiver coverage if offered by the rental company. Restrictions apply if you have personal automobile insurance covering this theft or damage.
3. See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.