Low-Interest Business Credit CardFirst Citizens Bank · NM bank, AZ · FDIC 11063
CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · BusinessFiled as “First Citizens Low-Interest Business Credit Card”
Cash advance APR
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Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | |||
| Introductory, 12 months | 0%First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Purchases and balance transfers are 0% introductory”First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| 13.49%–22.49% variableFirst-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “for the first 12 months, then a 13.49% to 22.49% variable”First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website | |
| APR for balance transfersintroductory rate first | |||
| Introductory, 12 months | 0%First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Purchases and balance transfers are 0% introductory”First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| After | 13.49%–22.49% variableFirst-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “for the first 12 months, then a 13.49% to 22.49% variable”First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | No annual feeFirst-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No annual fee”First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | the greater of $5 or 3% of the amount, based on creditworthiness; each transfer is subject to a 3% fee ($5 minimum)First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “based on creditworthiness; each transfer is subject to a 3% fee ($5 minimum)”First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Purchase · Introductory; Purchase · Regular | based on creditworthiness; each transfer is subject to a 3% fee ($5 minimum)First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “based on creditworthiness; each transfer is subject to a 3% fee ($5 minimum)”First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |