The First Community Bank is a personal credit card from First Community Bank. The annual fee is $0. The ongoing APR is 13.40% to 22.40% variable, based on creditworthiness (Prime Rate + 6.65% to 15.65%; terms show Prime 6.75% as of March 25, 2026) after a 0% on merchandise transactions for 12 months from the card's date of issue (not valid on reissued cards) introductory rate for 12 months. Loan terms: Revolving personal credit card; due date at least 21 days after the close of each billing cycle; no interest on purchases or balance transfers if the entire balance is paid by the due date; minimum interest charge $1.00; average daily balance method. This product reports activity to your personal credit report.