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Business Credit Card

Business Credit Card

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.

Learn More or Apply

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
Low Rate
If you’re looking for a no-frills card with a low rate, this one is for you.

Travel Benefits

  • $150,000 Travel Accident Insurance1
  • Auto rental collision damage waiver2


Card Features/Security

  • No annual fee3
  • Enroll in Apple Pay™, Samsung Pay™ or Google Pay™ for a secure way to pay
  • Online account management
  • Consolidated statements
  • Account controls and reporting tools
  • Add employee cards at no additional cost and easily track their spending with transaction reporting
  • Fraud Monitoring and Zero Fraud Liability
  • Purchase Protection
  • Email and text fraud alerts

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

  • Offers a seamless account update process, eliminating the need for direct action on the part of the cardholder when their card is reissued due to normal expiration or lost/stolen card.
  • Facilitates uninterrupted service for participating merchants. Recurring payments are more likely to be successful because updated card information is readily available to participating merchants.
  • Reduces negative experiences caused by declines.

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.

 

NMLS ID # 510053
Copyright © 2022 The First Citizens National Bank of Upper Sandusky.

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