benefits you'll love.

The First Community Bank personal credit card has all of the benefits you expect:
A FCB Consumer Visa Credit Card; with the phrase earn cash back for everyday purchases.
No Annual Fee
  • Plus, an introductory 0% APR* for 12 months and a variable APR after that
Cash Rewards
  • Earn up to 1.50% cash back for your everyday purchases.
Easy Payment Options
  • Make payments at your local branch, by mail or online with our Credit Card eBanking.
Visa® Fraud Protection
  • Enroll in Visa® Purchase Alerts to get a text or email whenever you pay with your card.
Verified by Visa®
  • Make online purchases more secure with Verified by Visa®.


Earn up to 1.50% cash back when you spend! Rewards are paid as a statement credit automatically each month once your reward dollars total $25 or more.

Platinum Cash Back Rewards
Up to $999.99 0%
$1,000 to $2,499.99
$2,500 to $4,999.99 0.75%
$5,000 to $7,499.99 1.00%
$7,500 and over 1.50%


How we calculate variable rates:
Introductory 0% APR begins on the original card's date of issue (does not apply to reissued cards). The variable rate is calculated by adding a margin 6.65% - 15.65% to the Prime Rate published by The Wall Street Journal on the 25th day of each month. The Prime Rate is 8.25% as of April 25, 2023. 
Subject to applicable rules and regulations. All promotions are subject to change or cancellation. For full details, please see account terms and conditions.  

Apple Pay® is a registered trademark of Apple Inc., registered in the U.S. and other countries. Android Pay™ is a trademark of Google Inc., Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd. 

Highlands Union Bank credit card customers: To obtain a copy of your Highlands Union Bank credit card agreement, please call us at (304) 431-2214 or email us at